Health insurance, explained
Plain answers from licensed advisors. Every fact links to its official source and shows the date we last checked it.
Try: deductible, Medicaid, COBRA, Texas
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Six topics. Each opens a page with every guide on it.
BasicsWhat Obamacare is, and the words on every plan: premium, deductible, PPO.8 guidesSee the guides 
Costs & tax creditsWhat you pay each month, and how the tax credit lowers it.9 guidesSee the guides 
Signing up & deadlinesWhen you can enroll, the dates that matter, and what changed for 2027.4 guidesSee the guides 
MedicaidWho qualifies, the income limits, and how to apply.3 guidesSee the guides 
Your situationSelf-employed, between jobs, or covered through work.4 guidesSee the guides 
Extra coverageDental, hospital, accident, critical illness, life and annuities.6 guidesSee the guides Most asked
The questions people search for most.
How to apply for Medicaid in IllinoisIncome limits, the application, and the green-card question.MedicaidWhat is an annuity, and how does it work?Savings that can become a steady income.Extra coverage
Term vs whole life insuranceThe two kinds, and how much cover people look at.Extra coverageOpen enrollment 2027: dates and deadlinesNovember 1 to January 15 on HealthCare.gov, December 15 for January 1 coverage, and the special enrollment rules.Signing up & deadlines
Dental insurance: cost and valueWhat dental plans cover, waiting periods and when it pays off.Extra coverageWhat is Obamacare? Who qualifies and how to sign upThe plain answer, who can buy a plan, and how to sign up.BasicsNew and updated for 2027
Open enrollment for 2027 coverage starts November 1, and a lot moved since last year. The extra tax credit help that ran from 2021 through 2025 has ended, so households above 4 times the poverty level are back to paying full price. Out-of-pocket limits went up, some insurers left, and Medicaid work rules for many adults are set to begin in 2027. What changed for 2027 lists each change with its source, and signing up and deadlines gathers the dates in one place.
We rewrote several guides this fall. Health insurance in Indiana now covers the four insurers selling 2027 plans there, the Healthy Indiana Plan and its POWER accounts, and the HIP work rules that start in January. HSA and high-deductible plans has the 2027 contribution limits, and the FSA guide explains how a flexible spending account differs from an HSA. For families thinking past health coverage, term vs whole life insurance compares the two main kinds of life insurance.
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