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.*
Return of premium term life insurance refunds your premiums if you outlive the policy. How ROP life insurance works, what it costs compared with regular term, the tax treatment of the refund, and the math on whether it beats investing the difference.
What cremation costs in the U.S., from direct cremation without services to a full funeral followed by cremation. Line-by-line funeral cost breakdown from the NFDA, your rights under the FTC Funeral Rule, and how families pay for it with final expense or life insurance.
Supplemental life insurance, also called voluntary life insurance, is extra group term life you buy through work. How it works, spouse and dependent coverage, guaranteed issue limits, age-banded costs, and whether it's worth it compared with an individual term policy.
Car insurance prices fell 5.1% in a year, and some insurers are paying dividends. Every way to get a car insurance refund: cancelling mid-term, overpayments, selling your car, dividends, gap insurance, and whether a government car insurance refund exists.
OPM says federal employees and retirees will pay 10.9% more on average for FEHB in 2027, and Postal enrollees 8.2% more for PSHB. Open Season runs November 9 to December 14, 2026. Here are the numbers, the nine plans leaving, the new GLP-1 rules and how to compare FEHB plans.
Fewer employers cover GLP-1 weight-loss drugs, and 14% have dropped or plan to drop them by 2027. How to check whether your insurance covers Wegovy or Zepbound, why claims get denied, how to get coverage approved, and what it costs if you pay cash.
The 2027 health FSA limit is expected around $3,500 when the IRS announces it this fall, while the dependent care FSA limit stays at its new $7,500. The rules, deadlines and how much an FSA can save you before open enrollment.
The IRS has set 2027 HSA contribution limits at $4,500 for self-only and $9,000 for family coverage, with a $1,000 catch-up at 55. The 2027 HDHP rules, who can now contribute, key deadlines, and how to get the most from your HSA.
Insurers are dropping Medicare Advantage plans for 2027. About 600,000 Humana members alone are losing their plan, and Florida has 51 fewer plans. Your special enrollment and Medigap rights, key deadlines, and how to choose a new plan.
The 2027 Social Security COLA is announced October 14, 2026, with forecasts around 3.5% to 3.6%. Here is what it could add to your check, how much the projected Medicare Part B increase takes back, and what the hold-harmless rule protects.
Open enrollment for 2027 ACA coverage runs November 1, 2026 to January 15, 2027. Premiums are rising again, the enhanced subsidies are still gone, and some insurers are leaving. Here is what to expect and how to pay less.
The California FAIR Plan's 29.1% average rate increase takes effect October 15, 2026. Who pays more, who may pay less, why it happened, and what homeowners can do before their renewal.
