Introduction Picture this: You’ve been covered by Medicaid for years—until one day, a form arrives in the mail. A missed signature, a lost letter, and suddenly, the safety net gives…

If you’re between jobs, finishing school, waiting for employer coverage to kick in, or simply shopping for the cheapest possible monthly health-cost bridge — short-term health plans can look extremely…

Introduction — timing is a hidden lever in health-insurance costs Most people think plan choice — deductible, copay, network — is the only lever to lower health-insurance costs. That’s true,…

TL;DR (read this if you’re in a hurry) Short-term plans can cut your monthly premium a lot — sometimes $100–$400+ vs. ACA marketplace plans — but they trade away critical…

Quick TL;DR (Read this first) Most states still use a $2,000 individual asset limit for long-term-care Medicaid eligibility — but married couples have special protections. (Medicaid) The Community Spouse Resource…

Introduction: The Hidden Cost of “Affordable” Care You signed up for an ACA Marketplace plan thinking it was safe. Affordable premiums, government subsidies, and a network of hospitals—what could go…

Introduction If you’re a veteran with VA or TRICARE for Life coverage, you might think your healthcare needs are covered—and you’d be partly right. But did you know there are hidden $0‑premium…

Introduction Marriage brings many joys—but also many joint financial decisions. One of the most overlooked opportunities for savvy couples in 2025 is how Health Savings Accounts (HSAs) can be structured…

Introduction Navigating health insurance in 2025 can feel like walking through a minefield—especially under ACA Marketplace plans that promise choice and protection. Yet lurking beneath the convenient provider directories are…