Marketplace & Subsidies
How the ACA Marketplace works: open enrollment dates, who qualifies for premium tax credits, the metal levels, special enrollment periods, and what to do if you miss a deadline or your insurer leaves.
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What’s the Difference Between Bronze, Silver, Gold and Platinum Plans?
Bronze, silver, gold and platinum plans cover the same benefits but split costs differently. What each level means and how to pick the right one.
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What Are Qualifying Life Events for Health Insurance?
Qualifying life events like losing coverage, moving, marriage or a new baby let you get health insurance outside open enrollment. What counts and how long you…
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What Is the Open Enrollment Period? Do I Need to Buy Health Insurance Then?
Open enrollment dates for 2027 marketplace, Medicare and job-based coverage, what happens if you miss it, and coverage you can get any time of year.
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How to Buy Health Insurance Outside the ACA’s Exchanges
How to buy an ACA health plan directly from an insurer or broker, what you give up in subsidies, and when an off-exchange plan can cost…
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Universal Health Insurance
What universal health insurance is, the main models countries use, how the U.S. compares, and the arguments for and against universal coverage.
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Why Do Some People Go Without Health Insurance?
Most Americans have health insurance, but 26.7 million went without it in 2025. The main reasons people are uninsured, and how to get covered.
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Government Health Insurance
A guide to government health insurance: Medicare, Medicaid, CHIP, TRICARE, VA and IHS, who qualifies, what each costs in 2026, and changes coming in 2027.
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Catastrophic Health Insurance: Who Qualifies and What It Covers
Catastrophic health plans have low premiums and a very high deductible. Who can buy one in 2026, what they cover, and how they compare with bronze…
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