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Choosing a Plan

Side-by-side comparisons and step-by-step guides to picking the health plan that fits your budget, doctors and health needs.

COBRA vs. Marketplace: What to Do When You Lose Job-Based Coverage

October 23, 2026 by admin
Man clearing out his office desk after leaving a job

Lost your job or your work health plan? Compare COBRA and a Marketplace plan on cost, doctors and deadlines — and avoid the one mistake that can leave you stuck.

Categories Choosing a Plan, Health Insurance Basics

Bronze, Silver, Gold or Platinum? How to Pick the Right Metal Tier

October 23, 2026 by admin
Bright hospital corridor representing health plan coverage levels

Metal tiers tell you how costs are split between you and your plan. Here’s what each tier means, who it suits, and why Silver can be a hidden bargain.

Categories Choosing a Plan, Health Insurance Basics

HMO vs. PPO vs. EPO vs. POS: Which Health Plan Type Fits You?

October 23, 2026 by admin
Doctor discussing care options with a patient in a clinic

The four main plan types decide which doctors you can see, whether you need referrals and what happens out of network. Here’s how to choose.

Categories Choosing a Plan, Health Insurance Basics

Open Enrollment 2027: Key Dates, Deadlines and What’s Changing

October 23, 2026October 23, 2026 by admin
Calendar planner for marking open enrollment deadlines

Marketplace open enrollment for 2027 coverage starts November 1, 2026. Here are the deadlines that matter, what’s different this year, and a checklist to get ready.

Categories Choosing a Plan, Health Insurance Basics

Smart Premium Guide

Plain-English guides to health insurance: what the terms mean, how to compare plans, and legitimate ways to pay less.

We are an independent publisher — not an insurer, agent or government agency.

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