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

Anatomy of an Obamacare ‘horror story’ photo

Anatomy of an Obamacare ‘horror story’

January 3, 2014 – "A lack of fact checkers does not explain why the newspaper ignored the news that one of its 'victims' had found good coverage. No editor's…

Medicaid – and what having it means to ERs photo

Medicaid – and what having it means to ERs

January 2, 2014 – Although the dollars at stake are small, this finding will probably generate much partisan sniping related to health reform. Liberals will…

Obamacare’s ‘victims’ photo

Obamacare’s ‘victims’

January 2, 2014 – When ‘victims’ step forward, reporters need to investigate these claims. If newspaper editors and television producers are willing to…

2014: A very good year for health coverage photo

2014: A very good year for health coverage

December 31, 2013 – Many of the newly insured are among the millions who have been unable to afford coverage in the past or have not been able to buy it at any…

What isn’t catastrophic for Obamacare photo

What isn’t catastrophic for Obamacare

December 23, 2013 – "I'm not surprised by the hyperbole. Ever since the story of cancelled policies broke, media coverage of the problem has verged on…

‘Pajama Boy’: Id of the anti-ACA machine photo

‘Pajama Boy’: Id of the anti-ACA machine

December 23, 2013 – Critics can joke all they want about 'Pajama Boy,' but the campaign's message is no joke: We owe it to our kids to have this conversation…

5 questions for real Obamacare reporters photo

5 questions for real Obamacare reporters

December 6, 2013 – Insurance industry insider Wendell Potter says that reporters who take the time to ask five simple questions can avoid being duped when…

An end to unaffordable out-of-pocket costs photo

An end to unaffordable out-of-pocket costs

December 2, 2013 – Armed with incomplete evidence, ACA's critics are claiming health reform will push out-of-pocket costs for insurance higher in the…

ACA’s winners far outnumber its losers photo

ACA’s winners far outnumber its losers

November 20, 2013 – "OK, people with cancelled insurance policies have a grievance. So does the much larger group of uninsured people with serious diagnosed…

Millions qualify for ‘free health insurance’ photo

Millions qualify for ‘free health insurance’

November 5, 2013 – If you're uninsured – or buy your insurance in the individual market – and live in one of seven states, chances are greater than 1 in 3…

Red state pain won’t be limited to poor photo

Red state pain won’t be limited to poor

October 30, 2013 – Not only will the states end up paying billions of dollars in uncompensated care for residents who remain uninsured, but private health…

Is Obamacare a ‘bonanza’ for carriers? photo

Is Obamacare a ‘bonanza’ for carriers?

October 21, 2013 – “Wall Street is beginning to figure out that under Obamacare, for-profit insurers are not going to make out like bandits. Investors who…