Health Insurance
Browse our articles about health insurance
When a Health Claim Is Denied: Appeals and External Review
A denial is not the end of the process. Federal rules give you an internal appeal and an independent external review whose decision binds the insurer.
Read MoreCOBRA and Your Options After Losing Job-Based Coverage
COBRA lets you keep an employer health plan after you leave, at your own cost. Here are the deadlines, the duration rules, and the alternatives worth weighing.
Read MoreThe Ten Essential Health Benefits and Free Preventive Care
Every marketplace plan covers the same ten benefit categories, and most plans cover a list of preventive services with no cost sharing at all. Here is what that includes.
Read MoreDeductible, Copay, Coinsurance and Out-of-Pocket Max
Health plans split costs four ways. Here is what each term means, the order the money moves in, and what actually counts toward your out-of-pocket maximum.
Read MoreBronze, Silver, Gold and Platinum: What Metal Tiers Mean
Metal tiers describe how a marketplace plan splits costs with you, not how good the plan is. Here is what actuarial value means and why silver is different.
Read MoreHMO, PPO, EPO and POS: How Health Plan Networks Differ
The four letters on a health plan name describe two things: whether you need a referral, and whether out-of-network care is covered at all.
Read MoreHSAs, FSAs and High Deductible Health Plans
A health savings account requires a qualifying high deductible plan and the money is yours to keep. An FSA works differently. Here are the rules and the IRS limits.
Read MoreIn-Network, Out-of-Network and the No Surprises Act
Balance billing is what happens when a provider has no contract with your plan. Federal law now bans it in specific situations. Here is where the protections start and stop.
Read MorePremium Tax Credits and Cost-Sharing Reductions
Marketplace subsidies come in two forms that work very differently. Here is who qualifies, how the advance payment reconciles at tax time, and what changed for 2026.
Read MoreOpen Enrollment and Special Enrollment Periods
Health coverage can only be bought during set windows. Here is how open enrollment works, which life events open a special enrollment period, and the deadlines.
Read MoreThis content is for general informational purposes only and is not insurance, legal, or financial advice. Coverage, exclusions, eligibility, and pricing vary by insurer, by policy, and by state, and only the policy documents control what is covered. Always confirm the details of any coverage with a licensed insurance agent or the issuing carrier before you buy.