92 articles
Browse 92 independent guides about insurance basics: plain-English explainers, worked examples and tips for comparing insurance coverage.
Contractor insurance usually means general liability, workers' compensation, commercial auto, tools and equipment cover and often a licence bond. What each policy pays for, typical costs by trade, state requirements and the gaps that catch contractors out.
An irrevocable life insurance trust owns a life insurance policy so the payout stays out of your taxable estate. How an ILIT works, Crummey notices, the three-year rule, what it costs you in control, and who actually needs one now that the federal exemption is $15 million.
Almost every Medicare Advantage plan includes dental benefits, but most cover cleanings far better than crowns, dentures or root canals. How annual maximums, coinsurance and networks work, what is usually excluded, and how to compare dental benefits during open enrollment.
Medicare open enrollment runs from October 15 to December 7, 2026, and new coverage starts January 1, 2027. What you can change, what you can't, the January to March second chance, and how to compare plans before the deadline.
Original Medicare lets you see any doctor that takes Medicare but has no out-of-pocket cap without Medigap. Medicare Advantage costs less up front but uses networks and prior authorization. How they compare on cost, coverage and flexibility, the downsides of each, and how to choose for 2027.
Employer-sponsored health insurance covers 154 million people. Here is how premiums are split, the tax breaks, the ACA rules employers must follow, the 2027 affordability test, and what happens when you leave a job.
EPOs and PPOs both let you see specialists without a referral, but only a PPO pays anything out of network. Here is how EPO, PPO, POS and HMO plans compare on networks, referrals and cost, and how to choose at open enrollment.
General liability insurance pays when a customer is hurt, someone's property is damaged or your business is accused of libel. Here is what a standard policy covers and excludes, typical costs and limits, and how to buy the right cover.
A home warranty is a service contract that repairs systems and appliances worn out by age. Home insurance pays for sudden damage like fire, storms and theft. Here is how the two differ, what a home warranty costs, and when one is worth it.
On most health insurance cards, the policy number is the member ID. Here is where to find your policy number on health, dental, Medicare, car, home and life insurance, how it differs from the group number, and what to do if you have lost your card.
Who qualifies for Medicaid, the 2026 income limits by household size, the new work requirements starting January 1, 2027, and a step-by-step guide to applying and staying covered.
You can apply for Medicare three months before the month you turn 65. Here is how the seven-month Initial Enrollment Period works, who is signed up automatically, when working past 65 lets you wait, and what a late start costs.
