Open Enrollment 2027: Deadlines and What Happens If You Miss Them
November 1 to January 15, with December 15 as the real deadline. 2027 open enrollment dates and what missing them costs.
All guides
Every cost guide we have published, newest first.
HSA vs FSA: Which Account Saves You More Money?
2026 limits, rollover rules, and tax treatment: how HSAs and FSAs compare and which one saves you more.
Embedded vs Aggregate Deductibles: How Family Deductibles Work
Two plans can have the same family deductible and behave completely differently. Embedded vs aggregate, explained with examples.
Short-Term Health Insurance: Who It’s For and Who Should Skip It
Short-term health insurance is a cheap bridge for coverage gaps, but it excludes a lot. Who should buy it and who should not.
Lost Your Job? Comparing COBRA, Marketplace, and Medicaid
COBRA, a marketplace plan, or Medicaid: what each costs after a layoff, and which one fits your situation.
Health Insurance for Self-Employed Workers: Your Options and Costs
No employer means no premium help, but you get choices and a big tax deduction. How self-employed workers get covered.
High Deductible vs Low Deductible Health Plans: The Real Math
A two-minute break-even calculation tells you whether a high-deductible or low-deductible plan saves you more.
Family Health Insurance Costs: What to Budget in 2026
Budgeting for family health insurance means planning for premiums, deductibles, and the worst case. Here is a simple framework.
Health Insurance for College Students: Plans, Costs, and Your Options
From a parent's plan to student health plans, the marketplace, and Medicaid: every option college students have, and which one is cheapest.
Health Insurance Costs After Subsidies: What You Actually Pay in 2026
The enhanced premium tax credits expired at the end of 2025. Here is what marketplace premiums actually cost in 2026 after subsidies, and how to estimate…
Usage-Based Car Insurance Discounts: What Drivers Actually Save
Usage-based insurance promises discounts for safe driving. Here is what drivers actually save and whether the trade-off is worth it.
Adding Your Teen to Your Policy vs Their Own: Which Costs Less
Adding a teen to your policy usually costs less than their own policy, but not always. Here is how to compare and what to watch for.
