A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
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A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
Featured
Will you receive an ACA premium subsidy?
Learn how to determine if you qualify for ACA premium subsides, how subsidies are calculated, and why subsidy amounts in 2026 may be lower than recent years.
Featured
Qualifying life events that trigger an ACA special enrollment period
Learn what a qualifying life event is and which life changes (like marriage, job loss, birth, or moving) trigger a special enrollment period to get an ACA-qualified plan outside open enrollment.

Expert analysis of health reform issues

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…

Obamacare: A Stepping Stone? photo

Obamacare: A Stepping Stone?

November 9, 2015 – The following guest post is from Simon F. Haeder, the winner of healthinsurance.org's 2014 Health Wonk Scholarship. Haeder is a Ph.D.…

Is CarsonCare really ‘out of the box’? photo

Is CarsonCare really ‘out of the box’?

October 28, 2015 – If President Carson would somehow be able to persuade Congress – even a GOP-controlled Congress – to go along with his HSA-for-all…

Pre-existing conditions? ‘No such thing’ photo

Pre-existing conditions? ‘No such thing’

October 23, 2015 – Patrick Carr went an awfully long time without health insurance. For someone living with two chronic health conditions — asthma and high…

Prediction: QHP enrollment will swell by 25 percent photo

Prediction: QHP enrollment will swell by 25 percent

October 15, 2015 – Before I go any further, let me say this flat out: No. Actual exchange enrollments in 2016 are not going to reach the CBO's 21 million…

When ACA’s Silver beats employer-sponsored plans photo

When ACA’s Silver beats employer-sponsored plans

October 7, 2015 – Most holders of Silver plans purchased in the ACA's marketplaces have more comprehensive overall coverage than most people with…

The ‘casino effect’ on your health insurance rates photo

The ‘casino effect’ on your health insurance rates

October 6, 2015 – There are several reasons for the wide variation in 2016 individual health insurance rates across the country, but there is one thing that…