Plain-English health insurance guides

Straight answers about private health insurance, ACA Marketplace plans and the situations that send people looking. Written by Nick Klusmeyer, a licensed health insurance agent in Dallas.

Private health insurance in Texas

How private health insurance works in Texas, who it fits, and how it compares with ACA Marketplace plans.

Read the guide →

Health insurance for teachers and their families

For teachers in any state: why family coverage on a district plan can cost so much, and how to compare covering your spouse and kids on a private plan.

Read the guide →

Health insurance for the self-employed and 1099 workers

Health insurance options for self-employed and 1099 workers: ACA Marketplace plans, private plans, and the self-employed premium deduction.

Read the guide →

What is fixed indemnity insurance?

Fixed indemnity insurance explained in plain English: how it pays set amounts, what it doesn't cover, how it differs from major medical and ACA plans, and who it fits..

Read the guide →

Losing job-based health insurance? Here are your options

Losing employer health insurance? Compare COBRA, ACA Marketplace plans (with a 60-day special enrollment window) and private plans.

Read the guide →

Missed Open Enrollment? You still have options

Missed ACA Open Enrollment? You may qualify for a Special Enrollment Period, or you can apply for a private plan any time of year.

Read the guide →

Health insurance for small business owners and their teams

Health insurance options for small business owners and their employees, from solo owners to teams.

Read the guide →