Health Insurance articles
In-depth, plain-language articles about health insurance from Why Insurance Me.
Medicare open enrollment for 2027: dates, changes, and free help
Medicare open enrollment for 2027 coverage runs from October 15 to December 7, 2026. During that window you can join, switch, or d...
Read more →ACA open enrollment for 2027: dates, subsidies, and avoiding enrollment scams
Open enrollment for 2027 Marketplace health coverage on HealthCare.gov runs from November 1, 2026 to January 15, 2027. Pick a plan...
Read more →Types of health insurance plans explained
Health insurance plans differ mainly in how they handle networks, referrals, and out-of-network care. The main types — HMO, PPO, E...
Read more →What is an HSA and how does it work?
A health savings account (HSA) lets you set aside money for qualified medical expenses with tax advantages, but only if you are en...
Read more →What is an FSA and how does it work?
A flexible spending account (FSA) is an employer-offered benefit that lets you set aside pre-tax dollars for eligible health expen...
Read more →What is COBRA continuation coverage?
COBRA is a federal law that lets many employees keep their employer health coverage for a limited time after leaving a job or losi...
Read more →Medigap (Medicare Supplement) explained
Medigap, also called Medicare Supplement insurance, is private coverage that helps pay costs Original Medicare does not, such as c...
Read more →Medicaid basics
Medicaid is a joint federal and state program that provides health coverage to eligible low-income individuals and families. Becau...
Read more →Dental insurance basics
Dental insurance is structured differently from medical insurance, usually around routine cleanings and a tiered split for other c...
Read more →Vision insurance basics
Vision insurance is a focused benefit that helps with routine eye care: an annual exam and an allowance toward glasses or contacts...
Read more →Short-term health insurance explained
Short-term health insurance offers temporary medical coverage meant to bridge a gap between other plans. It can cost less than com...
Read more →Average health insurance cost: what determines your premium
An average health insurance cost is hard to pin down because premiums depend on your plan, your circumstances, and any subsidies y...
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