Health Insurance
Guides & explainers
Coverage explainers, buying decisions, and how-tos for health insurance — written by editors who actually read the policies.
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High-deductible health plans and HSAs: the math people miss
HDHPs paired with an HSA can be the cheapest health insurance for healthy individuals — or a financial trap for those with chronic conditions. Here's how to tell which.
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Original Medicare vs. Medicare Advantage: the real trade-offs
Medicare Advantage looks cheaper. Original Medicare is more flexible. Here's how to think about the choice — and the irreversibility traps to know.
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Open enrollment strategy: what to actually do during the window
Most people stay on the same plan year after year. That's usually a mistake. Here's what to actually do during open enrollment.
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The ACA subsidy structure: how to optimize your marketplace plan
Premium tax credits, the former 'subsidy cliff' (now removed through 2025), and how to manage your income for healthcare affordability.
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ACA marketplace vs. employer health insurance
When to take your employer's plan and when to shop the marketplace.
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HMO vs. PPO vs. EPO — which plan type is right for you?
The three main plan structures, what they cost, and what you trade off.
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Medicare basics — when and how to enroll
The four parts of Medicare and the enrollment timeline.
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Understanding deductibles, copays, and coinsurance
How the three cost-sharing mechanisms work and how they affect what you pay.
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