Articles
- Health insurance7 minute read
Health coverage between leaving work and turning 65
The four real options for the gap years, and why the marketplace one is usually misjudged.
- Health insurance7 minute read
What a marketplace subsidy actually depends on
Your subsidy is decided by the income you'll have this year — a number early retirees often control.
- Health insurance6 minute read
COBRA or the marketplace?
What COBRA really costs once your employer stops paying, and the cases where it's still the right call.
- Health insurance7 minute read
Long-term care, and the gap most people don't know they have
Medicare doesn't cover it. The four ways households handle it, and why timing decides your options.
- Life insurance8 minute read
Term vs permanent life insurance, plainly
Two products share a name and work nothing alike. Here's how to tell which problem you have.
- Life insurance6 minute read
How much life insurance do you actually need?
Start from what would need paying for, not from a multiple of your salary someone quoted at you.
- Life insurance5 minute read
Final expense cover, and who it's actually for
Small policies aimed at funeral costs, why the health questions are lighter, and when it's the wrong tool.
- Life insurance6 minute read
Reviewing a policy you already have
The free hour that finds a lapsing term, a forgotten work policy, or a beneficiary you'd no longer choose.
- Life insurance8 minute read
Annuities, and whether one actually fits
What they solve, the kinds that exist, and the situations where the answer is plainly no.
- Medicare6 minute read
Medicare 101: the four parts, in plain English
What Parts A, B, C, and D actually are, and which ones you have to think about.
- Medicare7 minute read
When you can sign up — and what happens if you miss it
Your enrollment windows, the one that only opens once, and the penalties that last for life.
- Medicare8 minute read
Original Medicare or Medicare Advantage: the two paths
The one real fork in the road, what each path trades away, and how to tell which fits.
- Medicare7 minute read
Medicare Supplements (Medigap), explained
Why a Plan G is a Plan G everywhere, what supplements actually cover, and the timing that matters most.
- Medicare6 minute read
Part D and your prescriptions
How drug plans decide what they cover, why the same medication differs between them, and the yearly check worth doing.
- Medicare7 minute read
Still working at 65? What to do about Medicare
When you can safely delay Part B, when delaying costs you permanently, and why employer size decides it.
- Medicare6 minute read
Social Security and Medicare, and how they interlock
Automatic enrollment, the premium deduction, the two-year income lookback, and the HSA trap.
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