A plain-English guide to short-term, limited-duration health insurance: how it differs from ACA plans, common exclusions such as pre-existing conditions, how long policies can last after the 2025 federal enforcement change, state rules and questions to ask before buying. Continue reading Short-Term Health Insurance Explained: What It Excludes, How Long It Lasts and Who It Fits

A plain-English guide to prior authorization in health insurance: what it means, which services commonly need it, how the process works, how long decisions take under federal rules, what happens if you skip it, and how to appeal a denial. Continue reading Prior Authorization Explained: What It Is, How It Works and What to Do If It’s Denied

A plain-English guide to health insurance for freelancers, contractors and small business owners: Marketplace plans and subsidies, a spouse's plan, COBRA, Medicaid, HSAs, the self-employed health insurance deduction, what to avoid and how to choose. Continue reading Health Insurance for the Self-Employed: Options, Costs and the Tax Deduction

Lost your job and your health insurance? This guide compares COBRA continuation coverage with an ACA Marketplace plan: costs, deadlines, the 60-day windows, deductibles, doctor networks, Medicaid and a step-by-step decision checklist. Continue reading COBRA vs Marketplace Coverage After Job Loss: How to Choose

The No Surprises Act explained in plain English: which surprise medical bills it bans, what it does not cover (like ground ambulances), the notice-and-consent rules, Good Faith Estimates for uninsured patients, the $400 dispute threshold and how to get help. Continue reading The No Surprises Act Explained: Surprise Medical Bills, Your Rights and How to Dispute