A Patriot's Guide to Health Insurance

Most people sort by monthly premium, pick the cheapest plan, and hope for the best. Then they get sick and discover their deductible is $7,000. Nobody told them. This guide tells you.

Inside, you'll learn the five numbers that determine your true annual cost of a health insurance plan: premium, deductible, copay, coinsurance, and out-of-pocket maximum. You'll see how to calculate your real cost under different usage scenarios - healthy year, moderate year, serious illness - so you can compare plans on an apples-to-apples basis instead of just looking at the monthly bill.

The guide covers the four plan types - HMO, PPO, EPO, and HDHP - in plain English. You'll understand the network problem: what in-network versus out-of-network actually means, what surprise billing is, and what the No Surprises Act does and doesn't protect you from.

You'll learn how open enrollment works, what qualifying life events allow you to enroll outside of open enrollment, and how ACA marketplace subsidies work - including the income thresholds and what happens if your income changes mid-year.

The guide also covers faith-based health sharing plans as an alternative, short-term health insurance, and how to find coverage that aligns with your values if the ACA marketplace options don't work for you. This isn't a guide with an agenda. It gives you the full picture so you can make the right decision for your situation.

Enter your name and email above. The guide is yours - free, complete, no obligation.