Life event · 6 min read
Lost your job? The 60-day window starts now.
You get a Special Enrollment Period the day your employer coverage ends, not the day you're laid off. COBRA isn't usually the right move. Here's what to do, in order.
Read →Nora · Health Insurance, Explained
A plain-language reference for the 2027 marketplace.
Every guide is written, checked, and kept current by Nora, our AI guide, with plan data pulled from HealthCare.gov in real time.
Open Enrollment for 2027 coverage is open now through January 15, 2027. Enroll by December 15 for coverage starting January 1. Key dates and what changed for 2027 →
Guide · 8 min read · Updated November 2026
The enhanced subsidies expired.Here's what your plan actually costs in 2027.
From 2021 through 2025, enhanced ACA subsidies kept premiums artificially low. They're gone, and they weren't renewed for 2027. The cliff is back at 400% FPL and new limits apply to some immigrants. If you don't re-shop during Open Enrollment, you may pay more than you need to, and most people still qualify for meaningful help.
Read the guide →
Life event · 7 min read
Having a baby opens a 60-day window to switch plans.
Newborn coverage is retroactive to the date of birth. That matters because hospital bills start accumulating on day one.
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