Library
Every guide, grouped by the question
Organised by what you are trying to work out rather than by publication date. Each page cites its sources and carries the date the figures were last verified.
Tools and data
2027 ACA subsidy calculator
Enter income, age, and household size. See the credit you qualify for under the 2027 rules, and how far you are from the cliff.
2027 ACA income limits
The full poverty level tables that drive every subsidy decision, plus the exact dollar thresholds for 100%, 138%, 150%, 250%, and 400%.
2027 premium increases by state
What insurers have proposed for 2027 in all 50 states and DC, and the three forces driving the increase.
What changed
The 400% subsidy cliff, explained
One dollar of income can cost you your entire premium tax credit. Where the edge sits, and who fell off it.
What changed between 2026 and 2027
Side by side: contribution percentages, out-of-pocket maximums, poverty levels, enrollment rules, and deadlines.
Subsidy repayment: the caps are gone
Underestimate your income now and you repay every dollar of excess credit, with no ceiling. Most people have not heard this yet.
Your situation
Coverage when you get no subsidy
You are over 400% of poverty and paying full price. How to think about the decision without wasting money.
Health insurance for early retirees
Ages 55 to 64, no employer plan, not yet on Medicare. The group the cliff hit hardest, and the levers that still work.
Self-employed and 1099 coverage
Income you can influence, a deduction many people miss, and why your subsidy is a tax question as much as a coverage question.
Enrolling
How coverage works
Bronze, silver, gold, platinum
What the metal levels actually mean, and why buying bronze can quietly cost more than silver.
Cost-sharing reductions
The subsidy Congress did not touch. If you are under 250% of poverty and skipped silver, you may have left it on the table.
How to read an explanation of benefits
Billed, allowed, plan paid, your responsibility. Why the billed number is close to fiction, and where your money actually goes.
Health insurance glossary
Plain-language definitions for the terms that appear on every plan document.
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