Medicare
Medicare Part D Prescription Drug Coverage Explained (2026)
Medicare Part D in 2026 brings a hard $2,100 out-of-pocket cap, a $615 deductible, three simplified benefit phases, and a new way to spread drug costs.
Aug 2, 2026 · 10 min read
Clear, honest health insurance guides
Compare plans, understand your costs, and make confident coverage decisions — explained in plain English by people who follow the rules for a living.
Latest guides
ACA & Marketplace
Realistic Ways to Lower Your Health Insurance Costs in 2026
Enhanced ACA subsidies expired for 2026. Realistic, honest ways to cut costs—subsidy accuracy, plan-tier fit, HSAs, and life-event timing.
Jul 30, 2026 · 10 min read
Supplemental
Short-Term vs Long-Term Disability Insurance: A Complete Guide
Short-term vs. long-term disability insurance, compared side by side: waiting periods, how long benefits last, taxes, SSDI offsets, and how to pick the right mix.
Jul 27, 2026 · 7 min read
Life Events
Special Enrollment Periods and Qualifying Life Events: Enrolling Outside Open Enrollment
Missed Open Enrollment? A qualifying life event—job loss, turning 26, marriage, a baby, or a move—can open a 60-day window to enroll. Here's the 2026 guide.
Jul 24, 2026 · 8 min read
Supplemental
Standalone Dental & Vision Insurance: How to Choose Coverage
How to weigh annual maximums, waiting periods, and networks on standalone dental and vision plans in 2026 — and when paying cash beats a plan.
Jul 21, 2026 · 11 min read
Life Events
COBRA After Job Loss: Cost, Duration & When the Marketplace Is Cheaper
COBRA keeps your exact plan but you pay the full premium plus 2%. See how 18 vs 36 months works and when a 2026 Marketplace plan is cheaper.
Jul 18, 2026 · 9 min read
Supplemental
Critical Illness Insurance: Is It Worth It?
Critical illness insurance pays a lump sum on diagnosis, but it is not major medical. When it beats a funded HSA and emergency fund in 2026.
Jul 15, 2026 · 9 min read
Supplemental
HSA and HDHP 2026: Limits and the Triple Tax Advantage
See the exact 2026 IRS HSA limits, HDHP deductible and out-of-pocket thresholds, the triple-tax-advantage math, and who should not pick an HDHP.
Jul 12, 2026 · 10 min read
ACA & Marketplace
Health Insurance for Early Retirees: Bridging the Gap to Medicare at 65
Retiring before 65? Bridge to Medicare in 2026: COBRA vs. marketplace math, managing MAGI under the restored subsidy cliff, and timing the switch.
Jul 9, 2026 · 8 min read