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
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
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
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- 4Who Is the Policyholder for Health InsuranceEthan Bradford/Mar 12, 2026/14 MIN
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- 6Can You Cancel Health Insurance at Any TimeMelissa Grant/Mar 11, 2026/14 MIN
Fresh
Can I Have Two Health Insurance Plans at the Same TimeHaving two health insurance plans is legal and common, but does it make financial sense for you? Discover how dual coverage works through coordination of benefits, which insurance pays first, real-world scenarios, and whether the additional premium costs justify the reduced out-of-pocket expenses
What Is High Deductible Health InsuranceHigh deductible health insurance requires larger out-of-pocket costs before coverage begins, but offers lower premiums and HSA eligibility. This comprehensive guide explains how HDHPs work, who should consider them, and how they compare to traditional plans with real-world examples and expert insights
Is Health Insurance Worth It for YouHealth insurance costs families $1,500+ monthly in 2026. Is it worth it? The answer depends on your health status, financial situation, and risk tolerance. Learn how to calculate if coverage justifies the expense, compare HMO vs PPO plans, and understand the real costs of going uninsured
Who Is the Policyholder for Health InsuranceThe policyholder is the person who owns the health insurance policy and holds primary responsibility for it. This individual controls who gets added or removed from coverage, receives official correspondence, and makes decisions about plan changes during enrollment periods
Top stories
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
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- 2Can I Add My Boyfriend to My Health InsuranceEthan Bradford/Mar 11, 2026/13 MIN
- 3Who Is the Policyholder for Health InsuranceEthan Bradford/Mar 12, 2026/14 MIN
- 4Why Is Health Insurance So Expensive in AmericaEthan Bradford/Mar 12, 2026/19 MIN
- 5What Is a Health Insurance PremiumDerek Whitmore/Mar 12, 2026/12 MIN
- 6How Long Can You Be on Your Parents Health InsuranceDerek Whitmore/Mar 12, 2026/11 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
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
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
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
Can I Have Two Health Insurance Plans at the Same TimeHaving two health insurance plans is legal and common, but does it make financial sense for you? Discover how dual coverage works through coordination of benefits, which insurance pays first, real-world scenarios, and whether the additional premium costs justify the reduced out-of-pocket expenses
Can I Have Two Health Insurance Plans at the Same TimeHaving two health insurance plans is legal and common, but does it make financial sense for you? Discover how dual coverage works through coordination of benefits, which insurance pays first, real-world scenarios, and whether the additional premium costs justify the reduced out-of-pocket expenses
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
How Long Can You Be on Your Parents Health InsuranceFederal law allows young adults to remain on their parents' health insurance until age 26, regardless of marriage, employment, or student status. Understanding the rules, exceptions, and transition options helps you avoid coverage gaps and make cost-effective decisions
Who Is the Policyholder for Health InsuranceThe policyholder is the person who owns the health insurance policy and holds primary responsibility for it. This individual controls who gets added or removed from coverage, receives official correspondence, and makes decisions about plan changes during enrollment periods