Insurance Questions, Answered Properly
The longer answers to the questions people ask us on the phone, by text and at the kitchen table. Each one says what a plan does, what it does not, and what to ask before you buy. Short answers live on the FAQ page.
Health insurance
Small or No ACA Subsidy? Why a Private Plan Often Wins
Full price, nationwide networks, and the crystal ball problem: why guessing next year's income is risky for the self-employed.
Is Your Employer Plan Really the Best Deal for Your Family?
Keeping the employee on the work plan and moving the spouse or children to a private plan can cost far less. How to find your real number.
Is a Limited Medical Plan Real Health Insurance?
It is real coverage, but it is not major medical. How each one pays, where the cap bites, and five questions to ask before you buy.
Calendar-Year vs. Plan-Year Deductibles: Why Your Start Date Matters
Two plans with the same deductible can cost very different amounts in the first year. A worked example of why the reset date matters.
Start from what is happening to you
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