Health insurance guides

Straight answers, written for people who just want to know what they'll pay and what they'll get.

• PPO vs HMO: which health plan is actually cheaper?

  A plain-English comparison of PPO and HMO health plans: monthly cost, doctor networks, referrals, out-of-network care, and who each plan type suits best.

• Health insurance for the self-employed: the complete 2026 guide

  How freelancers, contractors and 1099 earners buy health insurance in the US: ACA Marketplace subsidies, private plans, HSAs and the self-employed premium deduction.

• ACA subsidies explained: who qualifies and how much you save

  How ACA premium tax credits and cost-sharing reductions work, who qualifies, how income is counted, and why the Silver tier changes the math.

• Turning 65: Medicare Advantage vs Medigap in plain English

  What to do when you turn 65: enrollment timing, Original Medicare, Medicare Advantage, Medigap supplements, and Part D drug coverage explained simply.

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