ACA Insurance
Association Health Plans: Who They're Actually Good For
Association plans are a real option for a specific kind of person — not a loophole, and not a universal answer. Here's who they tend to fit.
Mark Schlange•September 2026
Health Insurance Insights
Your trusted resource for understanding health insurance, from marketplace plans to financial tips.
Financial Planning
Having Health Insurance Is Not the Same as Being Financially Protected
A health insurance card in your wallet doesn't necessarily mean you are adequately protected. Look past the premium to what happens in a serious claim.
Mark Schlange•August 2026
ACA Insurance
Off-Exchange Doesn't Mean Off-Guardrails
Off-exchange is not "no protections." Most plans in this situation are still fully ACA-compliant — they just aren't bought through the Marketplace.
Mark Schlange•July 2026
Insurance Basics
The Real Question Isn't Premium. It's "What Happens If I Get Sick?"
Premium is the wrong starting point if what you care about is a serious diagnosis. Stress-test the plan before you enroll.
Mark Schlange•May 2026
Financial Assistance
You Don't Qualify for a Subsidy — Now What?
Losing a subsidy is a decision point, not a dead end. Shop for what happens if you get sick, not just the lowest number on the screen.
Mark Schlange•March 2026
Financial Planning
How to Build a Realistic Healthcare Budget for the Year Ahead
January is the perfect time to plan your healthcare spending. Learn how to budget for premiums, deductibles, prescriptions, and unexpected costs to avoid financial surprises.
Mark Schlange•January 2026
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