The Family Glitch Fix: How Spouses and Kids Get Marketplace Subsidies
The 2022 family glitch fix lets spouses and kids get marketplace subsidies when employer family coverage costs too much. How the rule works and how to…
Topic
Health Insurance
Easy guides about health insurance, medical costs, and coverage options. Learn how to understand your healthcare costs and find ways to save money.
72 guides
Medicaid Eligibility in 2026: Income Limits and Who Qualifies
In expansion states, adults earning up to 138% of the poverty level qualify -- about $22,025 for a single person in 2026. Who qualifies, the ten…
Moving to Another State? What Happens to Your Health Insurance
Marketplace plans stop at the state line. A permanent move opens a 60-day special enrollment period -- how to avoid a gap and re-shop your new…
New Baby or Adoption? How to Add Your Child to Your Health Plan
Birth or adoption triggers a 60-day special enrollment period with coverage backdated to the event date. Adding your child to an employer plan, marketplace plan, or…
Getting Married or Divorced? What Happens to Your Health Insurance
Marriage opens a 60-day special enrollment period with more options. Divorce ends a spouse's coverage and starts a 60-day clock. How each one works.
Can Immigrants Buy Health Insurance on the Marketplace? Eligibility by Status
Citizens and lawfully present immigrants can buy marketplace coverage with subsidies. DACA recipients lost eligibility under a 2025 rule. The full breakdown by status.
Marketplace Auto-Renewal: 5 Traps to Check Before 2027
Auto-renewal can hand you a worse plan at a higher price -- and new federal rules penalize passive renewal. Five things to check before 2027 coverage…
How to Enroll in a Health Plan on Healthcare.gov: A Step-by-Step Walkthrough
Enrolling on Healthcare.gov takes under an hour if your documents are ready. Each step, what to have on hand, and the deadlines for 2027 coverage.
Cost-Sharing Reductions: Why Silver Plans Cost Less Than You Think
Cost-sharing reductions cut your deductible, copays, and out-of-pocket max -- but only on Silver plans, and only for incomes between 100% and 250% of the poverty…
Adding Your Spouse to Your Health Plan: Coordination of Benefits Explained
Two plans or one family plan? How coordination of benefits and the birthday rule decide which plan pays first, and how to compare total costs.
Estimating Income for ACA Subsidies: How to Avoid a Payback at Tax Time
Your marketplace subsidy is based on estimated income. How MAGI works, how repayments are capped, and why updating income midyear matters.
Health Insurance Claim Denied? How to Appeal Step by Step
A denied health insurance claim is the start of a process, not the end. How internal appeals and independent external review work, step by step.
