Knowledge center
Field notes from brokers, builders, and the messy middle
Basics
Juvenile life insurance: state face amount limits, insurable interest for minors, and when the guaranteed insurability rider matters
August 24, 2026
Basics
Medicare C-SNP qualifying chronic conditions: eligibility, enrollment, and the Continuous Special Enrollment Period
August 17, 2026
Basics
Dental and vision insurance waiting periods explained: why they exist, how they differ by tier, and when group enrollment changes the math
August 15, 2026
Basics
Short-term vs long-term disability: elimination periods, benefit periods, and the coverage gap most clients never see
August 12, 2026
Basics
Life insurance underwriting classes and table ratings: what a flat extra actually costs a client
August 11, 2026
Basics
Guaranteed issue vs medically underwritten supplemental insurance: pre-existing condition limitations and the right product path
August 10, 2026
Basics
Medicare Part A benefit periods: the 60-day reset rule, coinsurance days, and lifetime reserve days
August 8, 2026
Basics
Accelerated death benefit riders: terminal, chronic, and critical illness triggers compared
August 7, 2026
Basics
Simplified issue vs guaranteed issue vs fully underwritten life insurance: matching the underwriting track to the client
August 4, 2026
Basics
Medicare AEP vs OEP vs Medicare Advantage SEP: what each enrollment window actually allows
August 1, 2026
Basics
Medicare Initial Enrollment Period: the 7-month window, coverage start dates, and what brokers must explain
July 31, 2026
Basics
ACA EHB benchmark plan differences by state: what the same metal tier covers in one state but not another
July 30, 2026
Basics
ACA subsidies and self-employed retirement plans: how SEP-IRA and solo 401(k) contributions reduce MAGI
July 28, 2026
Basics
ACA coverage for seasonal workers: variable income, APTC, and the annual enrollment challenge
July 27, 2026
Basics
QHP certification requirements explained: what a Qualified Health Plan must meet
July 26, 2026
Basics
ACA coordination of benefits: when a client has two health plans
July 25, 2026
Basics
ACA grandfathered plan status: what brokers need to know about the plans exempt from key ACA rules
July 24, 2026
Basics
ACA lifetime and annual limits: what Section 2711 banned and what it did not
July 23, 2026
Basics
ACA essential community providers: what brokers need to know about ECP networks
July 21, 2026
Basics
ACA health insurance for gig workers and 1099 contractors: variable income and APTC
July 20, 2026
Basics
ACA and Social Security income: how SSDI and retirement benefits affect APTC
July 19, 2026
Basics
ACA actuarial value explained: how the metal tier percentage drives cost-sharing design
July 18, 2026
Basics
ACA plan year vs calendar year: why deductibles reset on January 1
July 14, 2026
Basics
ACA CHIP eligibility and children on the Marketplace: the household enrollment guide
July 13, 2026
Basics
ACA standardized plan options: what CMS-designed plan structures mean for broker recommendations
July 11, 2026
Basics
ACA preventive care at $0 cost-sharing: what Section 2713 covers and the in-network rule brokers miss
July 9, 2026
Basics
Hospital indemnity and critical illness plans alongside ACA Marketplace coverage: a broker's guide
July 8, 2026
Basics
ACA guaranteed issue and pre-existing condition protections: what brokers and members need to know
July 7, 2026
Basics
ACA MAGI income types: what counts toward your subsidy and what does not
July 6, 2026
Basics
Domestic partners and ACA coverage: how subsidy rules differ from marriage
July 5, 2026
Basics
ACA minimum essential coverage: what counts, what does not, and why the distinction still matters
July 4, 2026
Basics
ACA household size for subsidies: how the tax household rule works
July 3, 2026
Basics
ACA dental and vision coverage: what the Marketplace covers for adults vs. children
July 2, 2026
Basics
Zero-premium ACA plans: what the $0 label means and the Silver CSR trap brokers need to explain
July 2, 2026
Basics
ACA catastrophic health plans: who qualifies, how they work, and when to recommend one
July 1, 2026
Basics
ACA age rating bands: how the 3-to-1 ratio works and what it means at 55 to 64
June 30, 2026
Basics
ACA cost sharing: how deductibles, copays, and coinsurance stack in sequence
June 29, 2026
Basics
Embedded vs aggregate deductible: what ACA brokers need to explain before enrollment
June 28, 2026
Basics
ACA out-of-pocket maximum: what it covers, what it does not, and how Silver CSR changes it
June 27, 2026
Basics
ACA Silver plan CSR tiers: the 73%, 87%, and 94% actuarial value explained
June 26, 2026
Basics
What is MAGI for ACA: how modified adjusted gross income works for Marketplace subsidies
June 24, 2026
Basics
What is the federal poverty level and how does it affect your ACA subsidy?
June 23, 2026
Basics
Cheapest ACA plans by state in 2026: how to find the lowest-cost coverage in your rating area
June 22, 2026
Basics
SLCSP, APTC, CSR: the three ACA acronyms every broker must master
June 21, 2026
Basics
The ACA subsidy cliff: how it changed and what to tell members now
June 19, 2026
Basics
ACA Marketplace plans for early retirees: the 55 to 64 window
June 18, 2026
Basics
How to switch ACA plans mid-year
June 17, 2026
Basics
Lost your job? ACA Marketplace enrollment and the 60-day SEP window
June 16, 2026
Basics
Married or divorced: how it changes your ACA subsidy
June 15, 2026
Basics
Do I qualify for an ACA subsidy? 2026 income limits and eligibility
June 14, 2026
Basics
HSA and ACA Marketplace plans: what brokers need to know
June 12, 2026
Basics
ACA network types: HMO, PPO, EPO, and POS explained
June 10, 2026
Basics
ACA metal tiers explained: Bronze, Silver, Gold, Platinum
June 9, 2026
Basics
ICHRA explained for brokers
June 6, 2026
Basics
On Marketplace vs off Marketplace plans: when to quote each
June 5, 2026
Basics
How ACA broker commissions work in 2026
June 3, 2026
Basics
APTC vs CSR: what brokers must know
June 2, 2026
Basics
What is SLCSP and how is it calculated
June 1, 2026
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