2026 Health Insurance Guides
Short, practical, current-year answers. Every guide uses the real 2026 numbers — the post-expiration subsidy formula, this year's poverty guidelines, and actual average premiums.
Why Did My Health Insurance Premium Double in 2026?
Enhanced ACA subsidies expired Dec 31, 2025. Net premiums rose 58% on average — here's exactly what changed, who got hit hardest, and 5 ways to cut the bill.
The 2026 Subsidy Cliff, Explained (and How to Climb Back Over It)
Earn $1 over 400% of the poverty level in 2026 and you lose every dollar of ACA subsidy. The income limits, real cost examples, and legal ways to get back under.
Bronze vs Silver in 2026: Which to Pick After Losing Subsidies
Deductibles jumped 37% in 2026 as millions traded down to bronze. When bronze saves money, when silver's cost-sharing reductions win, and the break-even math.
COBRA vs Marketplace in 2026: Which Is Cheaper After a Job Loss?
COBRA averages $700+/month for singles. When marketplace subsidies beat COBRA, the 60-day election windows, and the one COBRA mistake that locks you out of subsidies.
Self-Employed Health Insurance in 2026: A Survival Guide
Freelancers were hit hardest by the subsidy rollback. How the self-employed premium deduction interacts with your subsidy, MAGI management, and realistic plan strategies.
Missed Open Enrollment? Your 2026 Options
Qualifying life events that unlock a Special Enrollment Period, the 60-day rule, low-income year-round enrollment, and what to use (and avoid) while you wait.
Turning 26: Getting Your Own Health Insurance in 2026
Aging off a parent's plan triggers a Special Enrollment Period. Deadlines, what young adults actually pay in 2026, and why the cheapest bronze plan usually wins at 26.
Cheap Dental & Vision Coverage in 2026 (Without a Health Plan)
Most marketplace plans don't cover adult dental. Standalone dental insurance vs discount plans vs paying cash — real 2026 prices and when each wins.
Compare 2026 plans and prices side by side
Licensed marketplaces and brokers can show you every plan available at your address — including ones with better networks or lower deductibles than your current plan.
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