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.*
Premiums aren't random. Which rating factors carry the most weight, worked examples of what each lever saves, and where to spend your effort for the best return.
Premiums, deductibles, copays, coinsurance and the out-of-pocket maximum, explained with worked examples showing exactly how a year of medical bills settles.
How 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.
