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 2026 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 2026 coverage closed January 15. You may still qualify through a Special Enrollment Period →
Guide · 8 min read · Updated March 2026
The enhanced subsidies expired.Here's what your plan actually costs in 2026.
From 2021 through 2025, enhanced ACA subsidies kept premiums artificially low. Those are gone. If you haven't re-shopped your plan since November, you're probably paying 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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