Guides
Written to be read once and understood.
No income thresholds and no dollar figures, because those change every year and vary by household, county and state. Just how the thing works and what to watch for.
Subsidies & income
How to estimate next year's income when it varies
A working method for farming, contracting, commission and seasonal work — and when to revise it.
Subsidies & income
Why the Marketplace asks about next year, not last year
The single distinction behind most of the confusion, explained once and properly.
Subsidies & income
What happens at tax time if your estimate was wrong
Reconciliation, in plain terms, and how to keep the settlement small.
Subsidies & income
Who counts as your household
Tax household versus the people under your roof — and the cases that trip people up.
Plan choice
Why Silver is not the middle option
Cost-sharing reductions, what they are worth, and how choosing Bronze can forfeit them.
Plan choice
Checking your doctors before you enrol
How to read a network directory, and why rural counties make this essential rather than optional.
Plan choice
Reading a formulary without losing an afternoon
Drug tiers, prior authorisation, and what to do when your prescription moves.
Plan choice
Deductibles, and the question to ask yourself
A low premium is not a bargain if the deductible is unpayable. How to test it.
Life changes
Losing job coverage: the sixty days that matter
When the clock starts, what proof you need, and how to avoid a gap entirely.
Life changes
COBRA or a Marketplace plan?
The comparison nobody walks you through, including the part that is hard to reverse.
Life changes
Moving between counties or states
When a move opens a window, what changes about your plan, and what to do first.
Medicaid & CHIP
When your children qualify and you do not
Mixed-eligibility households are common. How the two programmes fit together.
Medicaid & CHIP
How the four states differ
Kansas, Missouri, Nebraska and Iowa each set their own rules. What that means for you.
Using your coverage
What to do when a claim is denied
Internal appeal, external review, and the deadlines that make speed matter.
Using your coverage
Your annual review, and why auto-renewal is not enough
Plans change, networks change, and you change. A short checklist for each autumn.
No guides in that subject yet.
How these are written
Every guide carries the date a licensed agent last verified it, printed on the page. A guide that has not been reviewed within twelve months does not publish — the build stops.
None of them states an income threshold, a percentage or a dollar amount. Those are revised annually and vary by household size, county and state, and a stale figure on an agency's website is worse than none. For current numbers we send you to HealthCare.gov and the Marketplace Call Center, which are correct today in a way a page written last spring cannot be.
Find out in ten minutes whether you qualify.
No obligation, no cost, and no pressure to enroll in anything. If the answer is that you do not qualify, we will say so plainly.