A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
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Speak with a licensed insurance agent 888-389-0372
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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

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…

The Affordable Care Act’s ‘stealth subsidy’ photo

The Affordable Care Act’s ‘stealth subsidy’

December 3, 2014 – The Chicago Tribune devoted a whole feature to the plight of low-income buyers of high-deductible Bronze plans in Illinois without once…

HealthCare.gov puts focus on the bottom line photo

HealthCare.gov puts focus on the bottom line

November 14, 2014 – The streamlining works. Entering as a single person, I was able to get to price quotes in under 30 seconds. That's very good news. A…

Over 7 million customers served photo

Over 7 million customers served

November 11, 2014 – Focusing on the fact that natural and expected attrition has reduced to around 7 million the number of individuals who have gained…

Making a mountain out of 7 million QHPs photo

Making a mountain out of 7 million QHPs

November 8, 2014 – The uninsured slice has dropped by around 26 percent in just the first year of the exchanges/Medicaid expansion being operational. That's…

The ‘good old days’ before Obamacare photo

The ‘good old days’ before Obamacare

October 25, 2014 – We Americans have short-term memory when it comes to health care. Either that or far too many of us have bought – hook, line and sinker…

ACA critics play the ‘rating game’ but it isn’t working photo

ACA critics play the ‘rating game’ but it isn’t working

October 22, 2014 – Last spring, when it was obvious that Obamacare was meeting its enrollment targets for the first year, opponents of the law needed some new…

Don’t let $418 million of FUD fool you photo

Don’t let $418 million of FUD fool you

October 16, 2014 – I should have realized that those who are opposed to the law out of economic self-interest or for political reasons would continue to spend…