A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
Speak with a licensed insurance agent 888-389-0372
Speak with a licensed insurance agent 888-389-0372
A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
Featured
Will you receive an ACA premium subsidy?
See if you're eligible for the Affordable Care Act's premium tax credits (premium subsidies), how subsidies are calculated, and why subsidy amounts in 2026 may be different.
Featured
Federal poverty level for 2026 coverage
Learn about the federal poverty level (FPL) - also known as federal poverty guidelines - for 2026 coverage. Utilize our FPL calculator to determine your eligibility for Medicaid/CHIP or Marketplace subsidies.

Expert analysis of health reform issues

Obamacare: a game changer for MS patients photo

Obamacare: a game changer for MS patients

January 13, 2016 – Obamacare has absolutely been a game-changer for people with MS and other chronic illnesses. But there is still work to be…

GOP candidates and the Faulty Five photo

GOP candidates and the Faulty Five

January 9, 2016 – President Obama vetoed Obamacare repeal legislation this week, but will happen if on January 20, 2017, the day the next president is…

States may sweeten the ACA pot photo

States may sweeten the ACA pot

January 8, 2016 – The 'public option' died in the health reform battle, but two state-run plans point a potential path toward richer coverage at lower…

LGBT gains under ACA are all about equality photo

LGBT gains under ACA are all about equality

December 10, 2015 – If you’re not lesbian, gay, bisexual or transgender, it might be tough to appreciate just how important the Affordable Care Act is to the…

Why 13 states have highest health insurance rates photo

Why 13 states have highest health insurance rates

December 9, 2015 – Five of the seven least populated states in the U.S. are on the list of states where premiums in a metropolitan area are the highest (and…

Relief from the shock of ‘surprise medical bills’? photo

Relief from the shock of ‘surprise medical bills’?

December 4, 2015 – Of all the failings in the U.S. healthcare system, among the most outrageous is the balance billing of insured patients at in-network…

A state-by-state fix for network adequacy issues? photo

A state-by-state fix for network adequacy issues?

December 1, 2015 – The Network Adequacy Model Act provides draft legislation for state laws that will ensure network adequacy in health insurance plans.…

Kentucky can’t afford to undo health reform gains photo

Kentucky can’t afford to undo health reform gains

November 24, 2015 – Health care reform is working, and Kentucky not only can afford to continue it, we can’t afford not to continue it. – Kentucky Gov.…

Why she’s giving thanks for Obamacare photo

Why she’s giving thanks for Obamacare

November 23, 2015 – Obamacare offers peace of mind Khallilah Watkins didn’t have before – even when she was covered through an employer plan. Three years…

Why 13 states have lower health insurance rates photo

Why 13 states have lower health insurance rates

November 19, 2015 – Thirteen states have managed to keep health insurance premiums among the lowest in the country. What's their…

Medicaid: Worst insurance in America? photo

Medicaid: Worst insurance in America?

November 17, 2015 – When it comes to children with special health care needs, Medicaid is often better than the available public or private alternatives. The…

A dream come true (and a nightmare ended) photo

A dream come true (and a nightmare ended)

November 11, 2015 – Shirley Cayko dreamed of opening her own mental health practice, but held off because she was quoted health insurance premiums of $5,000 a…