Stop Overpaying for Health Insurance

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Self-Employed

The Complete Guide to Health Insurance for Self-Employed Professionals

Everything freelancers, consultants, and independent contractors need to know about finding affordable, quality coverage on their own.

8 min read · June 2026

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ACA & Subsidies

What to Do When You Make Too Much for ACA Subsidies

If your income is over 400% of the federal poverty level you don't qualify for marketplace subsidies — but you have better options than you think.

6 min read · June 2026

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Plan Types

Medically Underwritten vs ACA Plans: What's the Difference?

For healthy individuals, medically underwritten plans can offer significantly lower premiums and better benefits than ACA marketplace plans.

7 min read · June 2026

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Business Owners

Health Insurance Options for Small Business Owners in 2026

As a business owner your health insurance options are different — and often better — than what most people assume. Here's what's available to you.

7 min read · June 2026

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Costs & Pricing

How Much Does Health Insurance Actually Cost Without a Subsidy?

Real numbers, real plans, and what factors actually drive your monthly premium — so you know what to expect before you shop.

5 min read · June 2026

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Florida

Best Health Insurance Options in Florida for 2026

Florida has unique health insurance options that many residents don't know about. Here's what's available and how to find the best plan for your situation.

6 min read · June 2026

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Texas

Best Health Insurance Options in Texas for 2026

Texas has the highest uninsured rate in the country — but healthy and self-employed Texans often have far better options than they realize. Here's how to find them.

6 min read · July 2026

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Georgia

Best Health Insurance Options in Georgia for 2026

Georgia didn't fully expand Medicaid — but healthy, self-employed Georgians often have better private options than they realize.

6 min read · July 2026

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North Carolina

Best Health Insurance Options in North Carolina for 2026

North Carolina expanded Medicaid in 2023. Here's what changed and how self-employed North Carolinians can still find better value.

6 min read · July 2026

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Ohio

Best Health Insurance Options in Ohio for 2026

Ohio has strong regional carriers and real competition. Here's how healthy, self-employed Ohioans find the best plan.

6 min read · July 2026

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Illinois

Best Health Insurance Options in Illinois for 2026

Chicago marketplace premiums run high. Here's how healthy, self-employed Illinoisans can do better in the private market.

6 min read · July 2026

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Michigan

Best Health Insurance Options in Michigan for 2026

Michigan has strong regional carriers. Here's how self-employed Michiganders find the best coverage.

6 min read · July 2026

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Virginia

Best Health Insurance Options in Virginia for 2026

Northern Virginia is full of high-earning consultants who make too much for subsidies. Here's the smarter option.

6 min read · July 2026

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Tennessee

Best Health Insurance Options in Tennessee for 2026

No state income tax, no Medicaid expansion — many Tennesseans earn past the subsidy cliff. Here's what to do.

6 min read · July 2026

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Missouri

Best Health Insurance Options in Missouri for 2026

Expanded Medicaid by ballot in 2021. Here's how self-employed Missourians find better value.

6 min read · July 2026

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Indiana

Best Health Insurance Options in Indiana for 2026

The Healthy Indiana Plan works differently. Here's how Hoosiers find the right coverage.

6 min read · July 2026

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Wisconsin

Best Health Insurance Options in Wisconsin for 2026

Unusually strong carrier competition. Here's how Wisconsinites use it to their advantage.

6 min read · July 2026

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Colorado

Best Health Insurance Options in Colorado for 2026

Expensive mountain regions, big remote workforce. Here's how Coloradans save.

6 min read · July 2026

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South Carolina

Best Health Insurance Options in South Carolina for 2026

No Medicaid expansion. Here's how self-employed South Carolinians find better options.

6 min read · July 2026

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Alabama

Best Health Insurance Options in Alabama for 2026

One carrier dominates the marketplace. Here's where Alabamians find real alternatives.

6 min read · July 2026

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Kentucky

Best Health Insurance Options in Kentucky for 2026

Kentucky runs its own marketplace, kynect. Here's how to compare it against private plans.

6 min read · July 2026

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Louisiana

Best Health Insurance Options in Louisiana for 2026

One carrier dominates the marketplace. Here's where Louisianians find real alternatives.

6 min read · July 2026

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Oklahoma

Best Health Insurance Options in Oklahoma for 2026

Expanded Medicaid by ballot in 2021. Here's how self-employed Oklahomans find value.

6 min read · July 2026

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Utah

Best Health Insurance Options in Utah for 2026

The nation's youngest population and a booming tech scene. Here's why private plans shine here.

6 min read · July 2026

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Nevada

Best Health Insurance Options in Nevada for 2026

No state income tax, huge gig economy. Here's how Nevadans find better coverage.

6 min read · July 2026

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Kansas

Best Health Insurance Options in Kansas for 2026

No Medicaid expansion, big farming base. Here's how self-employed Kansans find value.

6 min read · July 2026

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Arkansas

Best Health Insurance Options in Arkansas for 2026

Northwest Arkansas is booming. Here's how self-employed Arkansans find better options.

6 min read · July 2026

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Mississippi

Best Health Insurance Options in Mississippi for 2026

No Medicaid expansion. Here's how self-employed Mississippians find better value.

6 min read · July 2026

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Iowa

Best Health Insurance Options in Iowa for 2026

A dominant carrier and big farming base. Here's how Iowans find the right plan.

6 min read · July 2026

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Nebraska

Best Health Insurance Options in Nebraska for 2026

Expanded Medicaid by ballot in 2020, big farming base. Here's how Nebraskans find value.

6 min read · July 2026

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West Virginia

Best Health Insurance Options in West Virginia for 2026

Limited marketplace choice. Here's where West Virginians find real alternatives.

6 min read · July 2026

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Montana

Best Health Insurance Options in Montana for 2026

Vast and rural, networks matter. Here's how Montanans find the right coverage.

6 min read · July 2026

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Delaware

Best Health Insurance Options in Delaware for 2026

A small market with limited choice. Here's how Delawareans find better options.

6 min read · July 2026

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Maryland

Best Health Insurance Options in Maryland for 2026

High-earning DC suburbs, state marketplace. Here's the smarter option for Marylanders.

6 min read · July 2026

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South Dakota

Best Health Insurance Options in South Dakota for 2026

No income tax, health-system carriers. Here's how South Dakotans find value.

6 min read · July 2026

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Wyoming

Best Health Insurance Options in Wyoming for 2026

Among the most limited marketplaces in the U.S. Here's where Wyomingites find alternatives.

6 min read · July 2026

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Shopping for Coverage

Independent Agent vs. Healthcare.gov: Which Should You Use?

The government marketplace is just one of your options. Here's when it makes sense and when an independent agent can find you something significantly better.

5 min read · June 2026

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Understanding Insurance

Deductibles, Copays, and Out-of-Pocket Maximums Explained Simply

Health insurance terminology can be confusing. Here's a plain-English breakdown of every cost term you'll encounter when shopping for coverage.

6 min read · June 2026

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Life Events

Lost Your Job? Here's How to Get Health Insurance Fast

Losing employer coverage is stressful. Here's exactly what to do in the first 30, 60, and 90 days to make sure you and your family stay covered.

5 min read · June 2026

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Families

How to Find the Best Family Health Insurance Plan in 2026

Covering your whole family under one plan sounds simple — but the differences between plans can cost or save you thousands. Here's how to choose wisely.

7 min read · June 2026

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Taxes

Is Health Insurance Tax Deductible If You're Self-Employed?

The self-employed health insurance deduction can save you thousands at tax time — but most people don't know how to use it correctly. Here's the full breakdown.

5 min read · June 2026

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Plan Types

Short-Term Health Insurance: Is It Worth It in 2026?

Short-term plans are cheaper but come with real trade-offs. Here's an honest look at when they make sense and when you should avoid them.

5 min read · June 2026