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Your $300 prescription, in order of what to try first: the 5-step sequence that gets most people under $40
The pharmacist says $318 for a refill you used to pay $45 for. Work the five levers in the right order and most people land under $40.
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Laid off with 60 days to choose: COBRA or an ACA marketplace plan, and the four numbers that pick the cheaper one
Losing your job starts two 60-day clocks: one to elect COBRA, one to buy a marketplace plan. Four numbers, not loyalty to your old plan, decide which coverage costs you less.
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Mid-year ACA plan switch via SEP: the 7 qualifying events, the 60-day window, and the 4-number filter that picks the right plan
A Special Enrollment Period lets you change ACA coverage outside of open enrollment – but only if a qualifying event triggers it. The seven events, the documentation each requires, and the four numbers that pick the replacement plan.
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Two employer plans, two open-enrollment deadlines – four numbers that decide which one carries the family
When both you and your spouse have employer health coverage, picking the right plan for your family is a four-number calculation – not a gut call. Here is the filter that resolves it.
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Prescription Cost Shock at the Pharmacy: The 5-Call Sequence to Get It Covered or Replaced
When the pharmacy quote is ten times what you expected and you have an appointment to get back to, five phone calls in the right order usually drop the cost by 80% or more.
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HSA vs PPO for a Family of 4: The Annual Spend Threshold That Decides
A clear decision framework for choosing between an HSA-eligible high-deductible plan and a traditional PPO when the household has kids and the spending pattern is hard to predict.
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How to Get Prescriptions Covered by Insurance
Picking up a prescription and finding out your insurance will not cover it is one of the more frustrating moments
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What to Do If You Miss Open Enrollment
Missing the open enrollment deadline feels worse than it actually is. The first reaction for most people is panic, and
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How to Lower Your Monthly Health Insurance Premium
Health insurance premiums take up a growing share of most household budgets, and many people pay more than they need
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Understanding Out-of-Pocket Maximums in Health Plans
Most people shopping for health insurance focus on two numbers: the monthly premium and the deductible. The out-of-pocket maximum rarely
