Plan Basics
14 MIN READ
Can You Cancel Health Insurance at Any Time
Most Americans cannot cancel health insurance whenever they want. Cancellation typically requires open enrollment periods or qualifying life events like marriage, job loss, or moving. Each plan type—employer, Marketplace, Medicaid, Medicare—follows different rules that affect timing, refunds, and your ability to re-enroll
Melissa GrantMarketplace & ACA Enrollment Specialist
Do You Have to Have Health Insurance in the United StatesWhether you need health insurance depends on where you live. The federal requirement ended in 2019, but six states enforce their own mandates with real financial penalties. Understanding your obligations can save you from unexpected tax bills and protect you from catastrophic medical costs
What Is a Good Deductible for Health InsuranceChoosing the right health insurance deductible means balancing monthly costs against potential medical expenses. Your ideal deductible depends on cash flow, health needs, and financial cushion. Learn how to calculate your break-even point and avoid common selection mistakes
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- 2HSA Health Insurance Guide for BeginnersMelissa Grant/Mar 12, 2026/13 MIN
- 3What Is PPO Health Insurance and How Does It WorkLauren Prescott/Mar 12, 2026/14 MIN
- 4What Is High Deductible Health InsuranceLauren Prescott/Mar 12, 2026/15 MIN
- 5Can You Cancel Health Insurance at Any TimeMelissa Grant/Mar 11, 2026/14 MIN
- 6What Is a Health Insurance PremiumDerek Whitmore/Mar 12, 2026/12 MIN
Fresh
Small Business Health Insurance Coverage GuideSmall business health insurance coverage pools risk across employees to provide affordable medical benefits. This guide explains how it works, compares plan types like HMO and PPO, shows real-world examples, and helps you choose the right coverage for your business and budget
Can You Cancel Health Insurance at Any TimeMost Americans cannot cancel health insurance whenever they want. Cancellation typically requires open enrollment periods or qualifying life events like marriage, job loss, or moving. Each plan type—employer, Marketplace, Medicaid, Medicare—follows different rules that affect timing, refunds, and your ability to re-enroll
What Is a Good Deductible for Health InsuranceChoosing the right health insurance deductible means balancing monthly costs against potential medical expenses. Your ideal deductible depends on cash flow, health needs, and financial cushion. Learn how to calculate your break-even point and avoid common selection mistakes
Do You Have to Have Health Insurance in the United StatesWhether you need health insurance depends on where you live. The federal requirement ended in 2019, but six states enforce their own mandates with real financial penalties. Understanding your obligations can save you from unexpected tax bills and protect you from catastrophic medical costs
Top stories
HSA Health Insurance Guide for BeginnersHSA health insurance combines high-deductible coverage with tax-advantaged savings accounts, offering unique benefits for the right people. This guide explains how HSA-eligible plans work, compares them to HMO and PPO options, and helps you decide if this approach matches your healthcare needs and financial goals
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- 1What Is a Health Insurance PremiumDerek Whitmore/Mar 12, 2026/12 MIN
- 2What Is High Deductible Health InsuranceLauren Prescott/Mar 12, 2026/15 MIN
- 3How Much Is Health Insurance Per MonthEthan Bradford/Mar 12, 2026/16 MIN
- 4What Is PPO Health Insurance and How Does It WorkLauren Prescott/Mar 12, 2026/14 MIN
- 5How to Get Health Insurance in the United StatesMelissa Grant/Mar 12, 2026/22 MIN
- 6Can I Have Two Health Insurance Plans at the Same TimeDerek Whitmore/Mar 11, 2026/13 MIN
In focus
How Much Is Health Insurance Per MonthHealth insurance premiums vary dramatically based on location, age, plan type, and subsidy eligibility. Individual marketplace plans average $450-$650 monthly before subsidies, while employer plans cost employees $125-$180 for single coverage. Understanding these costs helps you budget effectively
How Much Is Health Insurance Per MonthHealth insurance premiums vary dramatically based on location, age, plan type, and subsidy eligibility. Individual marketplace plans average $450-$650 monthly before subsidies, while employer plans cost employees $125-$180 for single coverage. Understanding these costs helps you budget effectively
Why Is Health Insurance So Expensive in AmericaAmericans face soaring health insurance costs, with families now paying over $25,000 annually. Understanding the systemic factors—from administrative bloat to pharmaceutical pricing and provider consolidation—helps you make smarter coverage decisions and reduce expenses without sacrificing care
Why Is Health Insurance So Expensive in AmericaAmericans face soaring health insurance costs, with families now paying over $25,000 annually. Understanding the systemic factors—from administrative bloat to pharmaceutical pricing and provider consolidation—helps you make smarter coverage decisions and reduce expenses without sacrificing care
What Is PPO Health Insurance and How Does It WorkPPO health insurance offers flexibility to see specialists without referrals and choose from large provider networks. This comprehensive guide explains how PPO plans work, compares costs with HMO options, and helps you decide if a PPO fits your healthcare needs and budget
What Is PPO Health Insurance and How Does It WorkPPO health insurance offers flexibility to see specialists without referrals and choose from large provider networks. This comprehensive guide explains how PPO plans work, compares costs with HMO options, and helps you decide if a PPO fits your healthcare needs and budget
Can I Add My Boyfriend to My Health InsuranceWhether you can add your boyfriend to your health insurance depends on employer policies, state domestic partnership laws, and specific eligibility requirements. Unlike spousal coverage, domestic partner benefits often involve additional documentation and tax consequences through imputed income
Can I Add My Boyfriend to My Health InsuranceWhether you can add your boyfriend to your health insurance depends on employer policies, state domestic partnership laws, and specific eligibility requirements. Unlike spousal coverage, domestic partner benefits often involve additional documentation and tax consequences through imputed income
Does Health Insurance Cover Therapy for Mental HealthMost health insurance plans cover therapy for mental health conditions, but coverage varies significantly by plan type. Understanding your benefits, provider networks, and out-of-pocket costs helps you access affordable mental health care and avoid surprise bills
What Is a Health Insurance PremiumA health insurance premium is your monthly payment to keep coverage active. Understanding how premiums work, what drives costs, and how they compare to deductibles helps you choose the right plan and avoid overpaying for coverage
Do You Have to Have Health Insurance in the United StatesWhether you need health insurance depends on where you live. The federal requirement ended in 2019, but six states enforce their own mandates with real financial penalties. Understanding your obligations can save you from unexpected tax bills and protect you from catastrophic medical costs
HSA Health Insurance Guide for BeginnersHSA health insurance combines high-deductible coverage with tax-advantaged savings accounts, offering unique benefits for the right people. This guide explains how HSA-eligible plans work, compares them to HMO and PPO options, and helps you decide if this approach matches your healthcare needs and financial goals