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

Four stories more deserving than Luis Lang’s? photo

Four stories more deserving than Luis Lang’s?

May 21, 2015 – These are just a few of the 110,000 GoFundMe pages that have been created to help people who are in dire straits at the intersection of…

Letting the air out of rate-increase hysteria photo

Letting the air out of rate-increase hysteria

May 19, 2015 – The 2016 rate-increase hysteria has already started. Before you freak out, here are four things to remember about premium-hike…

Wriggling out of a post-King crisis photo

Wriggling out of a post-King crisis

May 18, 2015 – If a SCOTUS ruling for the plaintiffs deep-sixes subsidies, could Congressional Republicans manage a 'Houdini-like'…

A conversation with crowdfunder Luis Lang photo

A conversation with crowdfunder Luis Lang

May 16, 2015 – Below is a transcript of my phone conversation with Luis Lang, a Republican South Carolinian who established a GoFundMe appeal to help with…

Obamacare supporters’ compassionate response photo

Obamacare supporters’ compassionate response

May 13, 2015 – Luis Lang is not the only conservative who needs serious help. Millions of low-income, sick, or injured Americans are uninsured or going…

How red states propped up HealthCare.gov photo

How red states propped up HealthCare.gov

March 31, 2015 – Red-state governors and legislatures that refused the Affordable Care Act's Medicaid expansion were probably aiming to help the ACA die the…

Show Californians the money photo

Show Californians the money

March 24, 2015 – By acting like a for-profit insurer, Blue Shield is shortchanging the public of the social welfare benefits taxpayers have paid it to…

Justices Kennedy, Roberts are ‘votes in play’ photo

Justices Kennedy, Roberts are ‘votes in play’

March 4, 2015 – This morning, the Supreme Court heard oral arguments in King v. Burwell, the lawsuit that claims that the Affordable Care Act only allows…

If SCOTUS nukes Obamacare, what happens next? photo

If SCOTUS nukes Obamacare, what happens next?

February 23, 2015 – A negotiation will, of course, take place if the Supreme Court drops the King bomb on the ACA. And Michael Leavitt, who sat in Sylvia…

Study: The doctor is more likely to see you now photo

Study: The doctor is more likely to see you now

January 21, 2015 – For reasons that baffle me, ACA made Medicaid's enhanced reimbursement temporary. It expired December 31. Fifteen states plan to use their…

Medicaid expansion for every state’s stocking? photo

Medicaid expansion for every state’s stocking?

December 20, 2014 – This is really a tragic situation where many, many low-income Americans are not eligible for financial help at all because they live in a…

Your employer is dropping health coverage. Yay? photo

Your employer is dropping health coverage. Yay?

December 19, 2014 – If your employer drops your company-sponsored health insurance and sends you to the exchanges for coverage, everybody could…