Author
Health & Life Insurance Contributor
Michael Chen is a contributor to Best Insurance Guide covering health, life and disability insurance. He writes plain-English explainers on premiums, deductibles, copays and subsidies, with every guide reviewed against current plan documents, CMS materials and marketplace guidelines before publication. *Editorial note: contributor profiles reflect current editorial roles. License numbers and verifiable professional credentials are published here as contributors provide them. Our guides are educational and do not constitute personalized financial advice — always confirm details with a licensed agent or your state insurance department before buying.*
life insuranceWhole life costs roughly twelve times term for the same benefit. Worked examples of where the money goes, when permanent cover genuinely fits, and how to decide.
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health insurancePremiums, deductibles, copays, coinsurance and the out-of-pocket maximum, explained with worked examples showing exactly how a year of medical bills settles.
life insuranceFeaturedHow to size a life insurance policy with the DIME method, who actually needs cover, worked examples of what delay costs, and how to buy without overpaying.