HMO vs PPO vs EPO vs POS: Which Health Plan Type Is Right for You?
The four main plan types compared on cost, flexibility, referrals and out-of-network coverage, so you know which network structure to shop for.
Health Insurance Blog
Expert guides, tips and worked examples to help you navigate marketplace plans, subsidies and networks with confidence.
Latest Articles
Insurance Basics
Insurance Basics
Bronze, Silver, Gold or Platinum? Health Insurance Metal Tiers Explained
What each ACA metal tier really costs over a year, who should pick which level, and why Silver is often the best deal for subsidy-eligible shoppers.
Subsidies & Costs
ACA Subsidies in 2026: How Premium Tax Credits Work and Who Qualifies
Income limits, the federal poverty level table, cost-sharing reductions and what changed after the enhanced subsidies expired, with worked examples.
Self-Employed
Health Insurance for Self-Employed and Freelancers: Your 2026 Options
Marketplace plans, the self-employed health insurance deduction, HSAs and how to estimate variable income for subsidies without a nasty tax surprise.
Family Coverage
Best Health Insurance for Families: Covering Kids, Spouses and Newborns
Family deductibles, CHIP eligibility, pediatric benefits and how to decide whether one family plan or separate plans will cost you less.
Insurance Types
Short-Term Health Insurance in 2026: Pros, Cons and the New Rules
Short-term plans are cheap for a reason. Here is what they cover, what they exclude, the current federal limits and when one might still make sense.
Finance
Health Insurance and Taxes: Form 1095-A, Premium Tax Credits and HSAs
How marketplace coverage shows up on your tax return, how to avoid repaying subsidies, and the 2026 HSA limits that can cut your tax bill.
Tips & Advice
10 Common Health Insurance Mistakes That Cost People Thousands
From picking the cheapest premium to ignoring the provider directory, these are the errors we see most often and how to avoid each one.
Life Events
Lost Your Job? Health Insurance Options After a Layoff (COBRA vs Marketplace)
Your 60-day special enrollment window, what COBRA really costs, and how to compare it against a subsidized marketplace plan before the clock runs out.
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