Health Insurance
ACA Open Enrollment 2027: Dates, Deadlines, and What to Do First
Open Enrollment for 2027 Marketplace coverage runs November 1, 2026 through January 15, 2027. See the real deadlines, what to prepare, and how to avoid a coverage gap.
Insurance, translated
Make sense of insurance before you make a decision.
Clear, neutral explanations of premiums, deductibles, limits, exclusions, networks, and claims—without sales pressure or quote forms.
Explore the guidesLook up a term
Start here
Start with practical insurance questions
Use these decision-focused guides, then explore the full library for definitions and coverage basics.
Health Insurance
How Marketplace Premium Tax Credits and Subsidies Work
A practical guide to the premium tax credit: who qualifies, how advance payments work, how to estimate income, and how the credit is reconciled at tax time.
Health Insurance
Medicare vs. Medicaid: What Is the Difference?
Medicare is federal coverage mainly for people 65 and older; Medicaid is a joint federal-state program for certain low-income people. Compare eligibility, costs, and how to apply.
Claims
How to Read an Explanation of Benefits (EOB) and Check Your Medical Bill
An EOB is not a bill. Learn how to compare provider charges, allowed amounts, insurer payments and patient responsibility before paying a medical bill.
Health Insurance
Lost Job-Based Health Insurance? What to Do Before Coverage Ends
A practical checklist for losing U.S. employer health coverage: confirm the end date, compare Marketplace, COBRA and Medicaid, and avoid a gap.
Auto Insurance
Does Your Car Insurance Cover a Rental Car? Check These Gaps First
Check liability, damage to the rental car, credit-card benefits, peer-to-peer rentals, and loss-of-use charges before declining coverage at the counter.
Browse by topic
Find the decision in front of you
Comparing health plans? Compare HMO, PPO, EPO, and POS networks and referrals.