(Video: watch below — or keep reading for the full story!) I saw this post on reddit recently. While I know the 2026 ACA premiums are going up, this is a real story from a family of four. Nothing about their plan changed — not the deductible, not the benefits, not the network. The only thing that changed? The cost. Their monthly premium jumped from $562 to $1,378, … [Read more...] about When Your Employer Health Insurance Jumps from $562 to $1,378/Month — For the Same Plan
Are You Ready for the ACA Price Increase in 2026?
A Real Example of the ACA Price Increase One ACA Marketplace member in Texas recently shared their renewal notice: “My premium is expected to rise from $571 to $1,959 if these subsidies are not renewed.” That’s an increase of $1,388 every month — more than triple the original premium!!! Now I want to clarify that this price difference is because of subsidies … [Read more...] about Are You Ready for the ACA Price Increase in 2026?
Why a Health Share Will Never Be Insurance (And Why That’s Actually a Good Thing)
You’ve probably heard me say this before, but let’s make it crystal clear: A health share will never, ever be health insurance. And honestly, that’s the whole point. Today, I’ll break down why that’s a good thing—and why you might be glad that health shares play by different rules. Why Health Insurance Feels So Complicated Health insurance is an entire industry … [Read more...] about Why a Health Share Will Never Be Insurance (And Why That’s Actually a Good Thing)
How Much ACA Marketplace Premiums Are Going Up in 2026 (State-by-State)
What’s really happening to ACA premiums in 2026? ACA Marketplace premiums are projected to rise by an average of about 20% in 2026, with some states seeing increases of 30% or more. These proposed rate changes, filed by insurers with state regulators, mark the biggest jump since 2018. Below is a state-by-state interactive map showing how much premiums may change where … [Read more...] about How Much ACA Marketplace Premiums Are Going Up in 2026 (State-by-State)
The Biggest Mistake People Make When Joining a Health Share
When people join a health share, there’s one mistake I see over and over again—and it can cost you big time. That mistake? Not reading the Member Guidelines. I get it. The guidelines are long, they can be boring, and no one is excited to curl up on the couch with a 50-page PDF. But skipping them is the fastest way to end up frustrated—or worse, stuck with a medical bill … [Read more...] about The Biggest Mistake People Make When Joining a Health Share
Direct Primary Care Memberships Are Now HSA-Eligible
Healthcare savings just got a major upgrade. On July 4, 2025, the One Big Beautiful Bill Act (H.R.1) was signed into law, expanding several tax-advantaged health benefits. One of the biggest changes? Starting January 1, 2026, Direct Primary Care (DPC) memberships will finally be HSA-eligible. That means Americans can now use tax-free HSA funds to pay for their monthly DPC … [Read more...] about Direct Primary Care Memberships Are Now HSA-Eligible
Dr. Elisabeth Potter Is Right About Insurance—Here’s a Smarter Way Forward
I recently watched a video from Dr. Elisabeth Potter, a board-certified plastic surgeon in Austin, and it really struck a chord with me. If you haven’t come across her before, Dr. Potter has become well-known over the past few months for being outspoken about how insurance companies operate—especially the way they deny medically necessary care. She’s even said she’s being … [Read more...] about Dr. Elisabeth Potter Is Right About Insurance—Here’s a Smarter Way Forward
Health Insurance Mandates by State (Interactive Map)
When the Affordable Care Act (ACA) first passed, it included the individual mandate — a federal requirement that most Americans maintain qualifying health insurance or pay a tax penalty. The goal was to keep premiums stable by ensuring enough healthy people were enrolled to balance the costs of those needing more care. But in 2019, the federal penalty was reduced to $0, … [Read more...] about Health Insurance Mandates by State (Interactive Map)
State Rules for Health Share Membership (MEC Requirements & Restrictions)
Check Your State’s Health Share Rules Use this interactive map to see: How to use the map: Important: This map is updated annually, but state rules can change. Always confirm the latest requirements on your state’s official website or with a qualified tax advisor. 50-State Health Share Legality & Rules Map Last updated: Aug 12, 2025 • Refreshed … [Read more...] about State Rules for Health Share Membership (MEC Requirements & Restrictions)
Affordable Healthcare for the Self-Employed: What 30 Million Americans Need to Know
If you're self-employed, under 65, and paying for your own healthcare—without any serious pre-existing conditions—you’re not alone. In fact, you're part of a 30 million–strong group of Americans looking for smart alternatives to traditional health insurance. Health insurance premiums keep rising. Networks are more limited. And if you don’t get benefits through an employer, … [Read more...] about Affordable Healthcare for the Self-Employed: What 30 Million Americans Need to Know