Articles
Missed Open Enrollment at Work? What You Can Still Do
Here is what is still possible, and what to do for the months in between.
August 25, 2026
Does Health Insurance Cover Car Accidents? Who Pays First, What You Owe, and Where Cash Helps
Here is how health insurance, PIP, MedPay, and the other driver's coverage actually sort out after a crash.
August 25, 2026
Is Hospital Indemnity Insurance Worth It? An Honest Answer
A plan that pays cash when you're hospitalized sounds either like a bargain or a gimmick. The honest answer depends on your deductible and your cash cushion.
August 21, 2026
Is Critical Illness Insurance Worth It? What the Lump Sum Really Buys
The pitch is emotional: cancer, heart attack, stroke. The product is narrower than the pitch. Here's what the lump sum actually buys, the five pieces of fine print that decide its value, and who comes out ahead.
August 21, 2026
The Coverage Gap Between Jobs: The 63-Day Rule and Short-Term Bridges
The 63-day rule stopped mattering for ACA-compliant coverage in 2014. But a gap still breaks six real things.
August 5, 2026
Marketplace vs. Private Plans When Your 1099 Income Swings
The marketplace asks self-employed buyers a question they can't answer: what will you earn this year?
August 5, 2026
The Self-Employed Health Insurance Deduction, With Real Numbers
Three rules disqualify people who assume they qualify, and marketplace buyers hit a circular calculation nobody warns them about.
August 5, 2026
Travel Nurse Stipends, Taxable Income, and Marketplace Subsidies
Here's how stipends affect subsidies, the tax home rule the whole thing depends on, and why 2026 raises the cost of estimating wrong.
August 5, 2026