No email wall
Long reads, free tools, and no gate
Everything here is what we would say in an appointment. Read it, use it, and call us only if you want to.
Featured guide
Self-employed
How to estimate 1099 income for the Marketplace without guessing
The single number that decides your subsidy is a forecast of a year that has not happened. Here is the method we use with self-employed clients, including the floor-and-ceiling approach and the two dates we put in the calendar.
Read the guide
Why a silver plan can beat gold, and why almost nobody is told
Cost-sharing reductions attach to silver plans only, and they stop at 250% of the federal poverty level. Below that line a silver plan can quietly out-cover a gold plan while costing less per month.
The 60-day clock: what actually opens a Special Enrolment Period
Missing Open Enrolment is not the end. A qualifying life event opens a 60-day window, and the clock runs from the event, not from the day you noticed. Here is the list and the documents you will be asked for.
Turning 65 while you are still working: what to do and what to keep
Whether you can delay Part B without penalty depends on the size of your employer, and the letter proving your coverage was creditable is the document that settles the argument years later.
Tools, not lead magnets
Three things you can use right now
Subsidy estimator
Household size and income to a rough premium tax credit, with the federal poverty level bands explained.
Open itPlan-type decision tree
Five questions in the order that matters, plus the silver cost-sharing quirk and HSA eligibility.
Open itEnrolment calendar
Every window, a live countdown, and the qualifying events that open a 60-day clock.
Open itRead it all and still unsure?
That is normal. The reading gets you to a better question, and the appointment answers it.
Our help is free to you. We are paid by the carrier you choose, and the premium is the same whether you use us or enrol on your own.