Health insurance is expensive — but lately, it feels like the prices have completely spiraled out of control. If you’ve ever looked at your premium and thought, “How is this even possible?”, you’re not alone. In this post (and video), I’m breaking down why health insurance costs so much — and more importantly — what you can actually do about it. Because most people … [Read more...] about What To Do If You Can’t Afford Health Insurance
Health Insurance
Health Share vs Health Insurance: Which One’s Better for You?
If you’ve only ever known traditional health insurance, you might be surprised to learn there’s another option for handling medical expenses — one that often costs about half as much and gives you more control over your healthcare choices. That option is a health share. Both health shares and health insurance help with medical expenses, but the way they do it is … [Read more...] about Health Share vs Health Insurance: Which One’s Better for You?
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)
Why Do People Defend a Broken Health Insurance System?
If you've ever spent time scrolling through Reddit forums like r/HealthInsurance, you've probably noticed a pattern. Post after post from people venting their frustration about how expensive, confusing, and ineffective traditional health insurance has become. You’ll see comments like: The frustration is loud and clear. But here's where it gets interesting... The … [Read more...] about Why Do People Defend a Broken Health Insurance System?
Health Insurance in a Nutshell: When Paying More Makes No Sense
Health insurance is one of those things we’re all told we have to have—just in case. You pay a monthly premium for the comfort of knowing you’re covered in case of a health emergency or routine care. But what happens when you actually need to use it? Here’s a real-life example that makes you wonder if health insurance is really working in your favor. A friend with a family … [Read more...] about Health Insurance in a Nutshell: When Paying More Makes No Sense
Preferred Provider Organization (PPO): Definition and Benefits
Choosing the right health plan can be a daunting task, especially with so many acronyms and terms to navigate. One common type of health insurance plan is the Preferred Provider Organization, or PPO. This guide will explain what a PPO is, its benefits, and how it compares to other health plans, helping you make an informed decision. What is a PPO? A Preferred Provider … [Read more...] about Preferred Provider Organization (PPO): Definition and Benefits
What To Do if You Miss Open Enrollment for Health Insurance
Missing the open enrollment period for health insurance can be a stressful experience, especially if you’re unsure about your options for getting coverage. The open enrollment period is a designated time each year when you can sign up for health insurance through the marketplace or make changes to your existing plan. But what happens if you miss this window? Don't worry, there … [Read more...] about What To Do if You Miss Open Enrollment for Health Insurance
What is the Health Maintenance Organization (HMO)?
Navigating the world of health insurance can be overwhelming, especially with so many acronyms and plan types to understand. One common type of health insurance plan is the Health Maintenance Organization, or HMO. This guide will explain the meaning of HMO, how it works, its benefits, and how it compares to other health plans, helping you make an informed decision. HMO … [Read more...] about What is the Health Maintenance Organization (HMO)?
Affordable Healthcare for Your Startup Business
Navigating the world of affordable healthcare for a startup business can feel like walking a tightrope. With so many options, costs, and regulations to consider, it’s easy to become overwhelmed. But don’t let that deter you! This comprehensive guide is designed to help you understand the challenges and opportunities in providing affordable healthcare for your startup. From tax … [Read more...] about Affordable Healthcare for Your Startup Business