Health & Insurance

Health insurance, HSAs, and coverage options outside of an employer plan.

5 guides

A dim stone hallway between two open doors, leading to a closed double door with light coming through its glass panes

ACA Insurers Leaving the Marketplace in 2027: List by State

Which insurers are leaving ACA Marketplaces in 2027, by state, with a source for each, plus what to do if yours is on the list.

5 min readRead →

Aerial view of a road through a dark pine forest splitting into two branches

Cigna Is Leaving the ACA Marketplace in 2027: What Self-Employed Policyholders Should Do Now

Cigna leaves the ACA Marketplace in 2027. Open enrollment opened November 1. What to do by December 15 and how to pick a new plan.

7 min readRead →

A white chalk cliff dropping to a calm blue sea under a clear sky

2027 ACA Subsidy Cliff: How Freelancers Can Stay Under $63,840

How much a Solo 401(k), SEP IRA or HSA contribution must cut a freelancer's income to stay under the 2027 ACA subsidy cliff, with a worked example.

5 min readRead →

A stethoscope, blister packs of pills and a red-and-white first aid kit on a bright blue background

ACA Marketplace 2026: The 400% Income Cliff for Freelancers

How freelancers buy Marketplace insurance in 2026: estimate your income, the 400% limit, the credit at each income level, and the cost of a wrong guess.

10 min readRead →

A pile of empty orange prescription pill bottles with white caps

HSA for the Self-Employed 2026: Bronze Plans Now Qualify

Yes, the self-employed can have an HSA. 2026 limits ($4,400 / $8,750), 2027 limits, who can't contribute, bronze plans, and a worked example of the tax it saves.

7 min readRead →