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Resources, guides, and clear answers on Medicare, Obamacare, and life insurance. Practical information to help you make informed decisions about your family's health and well-being.
- Life Insurance Guide
Medicare Does Not Pay for Long-Term Care: Protect Yourself With Life Insurance and a Chronic Illness Rider
Medicare does not cover long-term care or custodial care. Learn what it does cover, how much it costs, and how life insurance with a chronic illness rider can protect your...
- Medicare Guide
Turning 65 With Obamacare: How to Switch to Medicare Without Penalties
Turning 65 with Obamacare? Almost everyone must switch to Medicare. Learn the enrollment window, what happens to your subsidies, and how to avoid lifelong penalties....
- Medicare Guide
Help Paying for Medicare in 2026: Extra Help and Savings Programs (MSP)
Extra Help lowers Part D drug costs and the Medicare Savings Programs help with Part A and B premiums. Who qualifies in 2026 and where to apply....
- Medicare Guide
Switching from Medicare Advantage to Medigap in 2026
Thinking about moving from Medicare Advantage to a Medigap plan in 2026? This guide explains when you can switch, when medical underwriting may apply, and how to compare costs so...
- Marketplace Plans Guide
I Earned a Little Too Much and Lost My Obamacare Subsidy in 2026: The 400% Cliff Is Back
If you earned a little too much and crossed 400% of the federal poverty level, in 2026 you can lose your Obamacare subsidy entirely. We explain what the 400% cliff...
- Life Insurance Guide
Life Insurance With Living Benefits: Use It While Alive
Life insurance does not only pay out after you are gone: many policies include living benefits you can use if you become seriously ill. We explain how these accelerated benefits...
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