Health Insurance Subsidy Guides
Everything you need to know about ACA health insurance subsidies, marketplace premiums, Medicaid eligibility, and how to find affordable coverage.
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Guide
ACA Open Enrollment 2027: Dates and Deadlines by State
Open enrollment for 2027 ACA plans runs Nov. 1, 2026 to Jan. 15, 2027 on HealthCare.gov. Dec. 15 is the cutoff for Jan. 1 coverage. State dates differ.
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Guide
How Do I Know If I Have Medicaid? (2026)
HealthCare.gov can't tell you. Only your state Medicaid agency can. Here's how to check in minutes, and the ways people end up enrolled without knowing.
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Guide
How Much Is Medicaid a Month? Income Limits vs. Premiums (2026)
Most Medicaid enrollees pay $0 a month — but the question has two meanings. This guide explains both: your state's income limit to qualify, and what you'd actually be charged.
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Guide
Which Indiana HIP Plan Should You Choose? Anthem vs. CareSource vs. MHS (2026)
Indiana HIP gives you three managed care plans to choose from in 2026: Anthem, CareSource, and MHS. MDwise exited in January. Here's which plan fits your situation.
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Guide
CMS Canceled 760,000 ACA Plans This Week
CMS canceled 315,000 marketplace enrollments covering 760,000 people on September 22, 2026. Learn how to check your account, appeal a wrongful cancellation, and find your true ACA or Medicaid eligibility before November open enrollment.
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Guide
Which Pennsylvania HealthChoices Plan Should You Choose in 2026?
Pennsylvania Physical HealthChoices runs through six MCOs across five geographic zones — the Southwest's UPMC vs. Highmark rivalry makes that region's decision uniquely consequential.
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Guide
Which Maryland HealthChoice Plan Should You Choose in 2026?
Maryland Medicaid runs through nine HealthChoice plans — how to compare the MCOs, which cover your county, the extra benefits that differ, and the 90-day window to switch.
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Guide
Which Apple Health Plan Should You Choose in Washington (2026)?
Washington Apple Health runs through five managed-care plans — a plain-English guide to choosing among Coordinated Care, Community Health Plan of WA, Molina, UnitedHealthcare, and Wellpoint, and the rule that lets you switch any time.
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Guide
The Enhanced Premium Tax Credit Expired: Your 2027 Coverage Math, by Income
The enhanced premium tax credit is gone and 2027 marketplace premiums are climbing again. Here is what your ACA plan actually costs now, by income band.
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Guide
Medicaid Retroactive Coverage in 2027: What Changes
Medicaid's 3-month retroactive coverage shrinks to 1–2 months on Jan 1, 2027. Why 'apply after the bill arrives' stops working — and what to do instead.
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Guide
Which Healthy Louisiana Plan Should You Choose in 2026?
Louisiana Medicaid runs through five Healthy Louisiana health plans after UnitedHealthcare's 2026 exit. A plain-English guide to picking among Aetna, AmeriHealth Caritas, Healthy Blue, Humana, and Louisiana Healthcare Connections — and the new rule that lets you switch.
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Guide
The Medicaid Coverage Gap in 2026: What to Do in a Non-Expansion State
In 9 states you can earn too little for an ACA subsidy and still too much for Medicaid. Here's why the coverage gap exists in 2026 — and the moves that actually work.
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