HealthCoverGuide Editorial Team

Our editorial team researches US health insurance using primary sources — HealthCare.gov, Medicare.gov, the IRS, CMS, and KFF — to explain coverage in plain English. We are not licensed insurance agents and do not sell insurance.

Articles by HealthCoverGuide Editorial Team

Self-Employed & Business

Health Insurance for the Self-Employed and Freelancers With Irregular Income (2026)

A 2026 playbook for 1099 workers: the self-employed health deduction on Schedule 1 and estimating a lumpy MAGI so subsidy reconciliation never bites.

Jun 27, 2026 · 8 min read

ACA & Marketplace

ACA / Obamacare Marketplace Plans for 2026: Costs, Subsidies & How to Enroll

The 2026 reset: enhanced ACA subsidies lapsed and the 400% income cliff is back. How metal tiers, MAGI, and Marketplace enrollment actually work now.

Jun 24, 2026 · 10 min read

Medicare

Medicare Advantage vs Medigap: Which Is Right for You?

Choose Medicare Advantage now and medical underwriting may lock you out of Medigap later. The one-time 6-month window is the hinge — a 2026 framework.

Jun 21, 2026 · 10 min read