2027 Open Enrollment Dates
2027 open enrollment opens Nov 1 — the key dates, the subsidy cliff, and how to compare marketplace vs. private nationwide PPO.
Cigna Leaving ACA Marketplace 2027
Cigna is leaving the ACA marketplace in 2027 — who's affected, key dates, and how to replace your plan without losing coverage.
Divorce and Health Insurance: What Happens to Your Coverage in 2026
Divorce ends the coverage you carried on a spouse's plan — usually within 30 days of the decree. For healthy, higher-income professionals who don' qualify for subsidies, a private medically underwritten PPO often costs far less than COBRA, with nationwide access and year-round enrollment.
GLP-1 Coverage Explained: Ozempic, Wegovy & Zepbound in 2026
Whether a plan covers a GLP-1 usually comes down to what it's prescribed for. Diabetes use is commonly covered; weight-loss coverage in 2026 is limited, shrinking, and almost always tied to prior authorization. Here's how each coverage path works — and what to check before you enroll.
Summer Insurance Shock: Are Teachers Paying COBRA-Level Premiums?
Many teachers assume their "district health insurance" is a great deal — but family premiums often rival COBRA costs. For healthy families, moving dependents to a private PPO while keeping the teacher on the district plan can save $500–800/month
Why PPOs Are King: The Case for Nationwide Networks and Provider Freedom
Why PPOs beat HMOs for self-employed professionals, business owners, and frequent travelers: nationwide networks, no primary care gatekeepers, direct specialist access, and fewer authorization delays.
How does the Inflation Reduction Act affect your Health Coverage?
The Inflation Reduction Act's enhanced ACA subsidies expired at the end of 2025 and the 2026 subsidy cliff is back. Here's what changed, the income cutoffs, and where a private PPO now beats the marketplace.
What Is A PPO Health Insurance Plan?
PPO plans explained in plain English — how they work, why there are no referrals, the out-of-network flexibility, what they cost, and how marketplace and private PPO options compare.
