Health insurance, decoded
Built for self-employed workers, freelancers, and 1099 contractors. Real guides on what coverage costs, how plans compare, and which one actually pays when you need it.
Hospital Indemnity + Specified Disease Insurance: How Layered Coverage Works
If you've ever looked at the cash price of a routine doctor visit, you already know the math doesn't make sense. For people who don't have employer coverage, a layered limited-benefit bundle can dramatically reduce out-of-pocket exposure.
Private Health Insurance vs. ACA: Which Is Better in 2026?
When private PPO plans beat ACA marketplace plans (and when they don't). A decision tree based on income, health history, and how fast you need coverage.
How to Lower Your Health Insurance Costs in 2026
Twelve concrete tactics to lower your health insurance bill — from picking the right metal tier to HSAs, telemedicine, and the §162(l) deduction.
Health Insurance for Independent Contractors: A 1099 Worker's Playbook
1099 health insurance explained — when to use COBRA, when to switch to a private PPO, and how to avoid paying for two plans during a contract gap.
The 2026 Freelancer's Guide to Health Insurance
Enrollment windows, plan types, the freelancer tax deduction, and a recommended stack for solo workers who need real coverage without an HR department.
Best Health Insurance for the Self-Employed in 2026
ACA, private PPO, spouse plan, or health share? A clear-eyed comparison of the four real options for self-employed workers — plus the tax deduction most people miss.