80 articles
Browse 80 independent guides about insurance basics: plain-English explainers, worked examples and tips for comparing insurance coverage.
An HSA is yours to keep and invest but needs a high-deductible plan. An FSA works with almost any plan but is mostly use-it-or-lose-it. How the two accounts differ, which one fits you, and when you can have both.
What burial insurance is, how it differs from regular life insurance, how to get coverage with no waiting period, graded vs modified benefits, whether it's worth the cost, and options for seniors over 85 and people with cancer.
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.
CMS released the 2027 Medicare Advantage and Part D star ratings on October 8, 2026. Fifteen plans earned 5 stars, down from 22. What Medicare star ratings are, how they are calculated, the 5-star special enrollment period, and how to use the ratings during open enrollment.
On September 3, 2026, CMS and the SBA renamed the individual coverage HRA (ICHRA) the CHOICE Arrangement. The rules did not change. Here is how it works, the pros and cons for employers and employees, ICHRA vs QSEHRA, and the new 10.22% affordability test for 2027.
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.
Deer season is here: October to December brings 41% of animal-collision claims. What to do right after you hit a deer, whether it is a comprehensive or collision claim, if liability covers it, and whether your rates will go up.
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.
Senators Warren and Hawley are questioning State Farm, Allstate, USAA and three other insurers about claims closed without payment. Why claims get denied, how to appeal, and where to complain if your insurer won't pay.
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.
Pet insurance usually covers prescription medication for a covered accident or illness, but prescription food, supplements and preventives are where policies split. Here is what two real policies say, with worked examples for long-term meds.
