67 articles
Browse 67 independent guides about insurance premiums: plain-English explainers, worked examples and tips for comparing insurance coverage.
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.
Liability-only car insurance pays for damage and injuries you cause to others, not your own car. Here is what it covers, how much it saves, how to choose limits, and a simple test for when to drop full coverage.
Medicare Part D covers the prescription drugs you take at home. Here is what it covers and excludes, the 2027 deductible and $2,400 cap, why stand-alone plans are shrinking, the newly negotiated drug prices, and how to choose a plan by December 7.
Plan G covers almost everything after the Part B deductible; Plan N trades small copays and excess-charge risk for a lower premium. Here is what Medigap is, the 2027 numbers, and a worked break-even comparison.
Medicare's Extra Help program sets 2027 copays at up to $5.80 for generics and $14.40 for brand-name drugs, with a $0 deductible. Who qualifies, the 2026 income limits and how to apply before open enrollment ends.
Medicare Savings Programs can pay your $202.90 Part B premium and more. The 2026 QMB, SLMB and QI income and asset limits, which states allow more, and how to apply before 2027.
A high-deductible health plan (HDHP) costs less each month and unlocks an HSA, but you pay more before coverage kicks in. A PPO costs more upfront and less when you need care. How to compare the two at open enrollment, with worked numbers.
State Farm and Allstate have filed to resume writing new California home insurance, but approval isn't here yet. How to get home insurance in a California high fire risk area now, from the FAIR Plan to wildfire discounts, and what the new filings could mean for you.
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.
Florida regulators approved an average 12.8% renters insurance rate cut from American Modern Home Insurance Company, effective October 11, 2026. Who gets it, the county-by-county cuts, whether renters insurance covers hurricane damage in Florida, and how to lower your premium.
