Health Insurance, Explained
Plain-English guides to the terms, deadlines, and decisions that shape what you pay for coverage — written by a licensed agent, not a sales script.
Fundamentals
How Health Insurance Works
Premiums, deductibles, copays, coinsurance, out-of-pocket maximums, and networks — how health insurance works, explained without the jargon.
Read the guideHow Health Insurance Deductibles Work
What a health insurance deductible really is, how it works with copays and coinsurance, how family deductibles work, and when a high-deductible plan makes sense.
Read the guidePlan Types
Career & Income
Health Insurance for the Self-Employed
The complete guide to health insurance when you're self-employed: marketplace plans, premium tax credits, the self-employed deduction, and handling variable income.
Read the guideHealth Insurance for Young Adults
Health insurance options for young adults: staying on a parent's plan until 26, school plans, marketplace and catastrophic plans, and why 'young and healthy' still needs coverage.
Read the guideEnrollment Windows
Health Insurance Open Enrollment, Explained
When health insurance open enrollment happens for marketplace, Medicare, and employer plans — and what to check before you renew the same plan again.
Read the guideSpecial Enrollment Periods
Lost coverage, moved, married, or had a baby? You may have a 60-day special enrollment window to get health insurance outside of Open Enrollment. Here's how it works.
Read the guide