All guides

ACA in California: The Covered California Path

California runs its own marketplace, Covered California, rather than using the federal marketplace for enrollment.

ACA Enrollment and Subsidies: Open Enrollment, Subsidies and Plans

Open enrollment is the main annual window for buying or changing a marketplace plan.

ACA in Florida: How the Florida Marketplace Works

Floridians buy marketplace coverage through the federal marketplace, which routes you by ZIP code to the plans available where you live.

ACA in Texas: How the Texas Marketplace Works

Texans buy marketplace coverage through the federal marketplace, which routes you by ZIP code to the plans available where you live.

Employer Health Insurance: How Employer Cover Works

Employer cover is group health insurance: your employer chooses one or more plans, usually shares the premium cost with you, and you choose among the

Health Insurance Claims: How a Claim Works, EOBs and Appeals

A health insurance claim is a formal request to your insurer to pay for care you received.

Health Insurance Exclusions: FAQ — What Is Commonly Excluded?

An exclusion is a service, treatment or circumstance your plan does not cover, stated in the plan documents.

Medicaid Eligibility: Who Qualifies and How to Check

Medicaid is a joint federal-state programme that covers people with low incomes, and each state runs its own version within federal rules.

Medicare Enrollment: When and How to Enroll in Parts A, B and D

Your Initial Enrollment Period is the seven-month window around the month you turn 65: the three months before it, your birthday month, and the three months

Medicare Parts A, B, C and D Explained

Part A is hospital insurance.

Health Insurance for Self-Employed People

For most self-employed people, the marketplace is the default route: you buy an individual plan, estimate your annual household income, and receive any

Student Health Insurance in the US: University Plan vs Marketplace

Most students face two doors: the university's student health plan, often billed with tuition, and a marketplace plan bought independently.

Auto insurance exclusions FAQ

Auto insurance exclusions are the situations a policy does not cover.

Cheapest car insurance for bad credit

A credit-based insurance score is not your loan credit score, though it is built from similar credit-history data.

Car insurance claims

Safety first.

Gap insurance for cars

Gap insurance pays the difference between what your car is worth after a total loss and what you still owe on a loan or lease.

Cheapest car insurance after DUI

After a DUI, three things commonly change.

Cheapest cars to insure

Four car-side factors do most of the work.

Classic car insurance

Classic car insurance is usually written for cars kept as collectibles, not daily drivers.

Collectible car insurance

Collectible car insurance, also searched as collector car insurance, covers cars held as a collection.

Collision and liability explained

Collision coverage pays to repair or replace your own car after it collides with another vehicle or an object — another car, a guardrail, a tree, a pothole

Florida auto insurance

Florida auto insurance works differently from most states: personal injury protection is central, and Florida's rules on fault and required cover shape every quote.

Full coverage vs liability

Liability limits are often written as three numbers — for example, a per-person bodily injury limit, a per-accident bodily injury limit, and a property

Leased car insurance

Leased car insurance must satisfy the leasing company, not just the state minimum.

Pay-per-mile car insurance

Pay-per-mile car insurance charges a base rate plus a price per mile driven.

How to switch / lower car insurance

A switch makes sense when your life, your car, or your driving record has changed — or when your current policy no longer fits.

Car insurance for teen / young drivers

Insurers price inexperience.

Umbrella auto insurance

Umbrella auto insurance is extra liability cover that sits above your car policy.

Uninsured motorist cover

Uninsured motorist (UM) cover pays for your losses when the at-fault driver has no insurance.

Condo insurance by state/city

Compare the same five items wherever the unit sits: master-policy type and what it covers inside the unit; walls-in limit against the interior as renovated;

Earthquake insurance in California

The California Earthquake Authority is a publicly managed, privately funded organisation that provides residential earthquake cover through participating

Flood insurance by state

Your flood zone is an address-level fact, not a state-level one.

Home insurance exclusions

Water is the leading cause of homeowner claims and the most misunderstood exclusion, so it earns its own section.

Is homeowners insurance required?

A standard homeowners policy generally covers the dwelling, other structures, personal belongings, liability and extra living costs after a covered loss,

Homeowners insurance and hurricanes

Three borderline cases appear in every hurricane guide, and they are worth learning before a storm rather than after one.

NFIP vs private flood insurance

Compare the two routes on the same table, and refuse any comparison that is not like-for-like.

Renters insurance in New York City

In practice, a consistent move-in pattern.

Renters insurance in Pennsylvania

The lease requirement, where it exists, usually names a liability limit — competitor PA outlines name the limit named in your lease as the figure that turns up most of…

Renters insurance (merged national page)

Use the companion working tool, renters-estimator.

Homeowners insurance and wildfire

Check five things before fire season, not during it.

Life insurance for diabetics

Type 1 vs Type 2.

Life insurance with high blood pressure

High blood pressure is one of the most common conditions underwriters see, and it is not treated as an automatic decline.

Life insurance claims

Step 1: Find the policy.

Life insurance exclusions

An exclusion is not a vague warning.

Life insurance for seniors

Term life.

Term vs whole life insurance explained

Term life insurance pays a death benefit if you die during a set term, most commonly 10, 20 or 30 years.

Travel insurance for cruises

A cruise is not quite like any other trip, and cruise cover reflects that.

Rental car insurance

Travel insurance claims

A travel insurance claim is paid against paperwork.

Travel exclusions (FAQ section)

Travel exclusions decide more claims than benefits do.

Is travel insurance worth it?

Is travel insurance worth it?

Travel insurance for US citizens

Travel insurance for US citizens starts from a fact many travellers discover too late: the cover that works at home does not automatically work abroad.

Visitors insurance to the US (only visitors page)

Medical insurance for visitors to the United States exists for one main reason: health care in the US can be expensive, and cover from a visitor's home

How pet insurance works / is it worth it?

How does pet insurance work?

Pet insurance claims

A pet insurance claim follows a reimbursement model: you pay the vet, you file, and the insurer pays you back a share of the eligible bill.

Pet insurance exclusions

Pet exclusions decide more claims than benefits do.