Health Insurance, Explained in Plain English
Guides to help you understand Medicare and individual health insurance before we even talk, written by a team that does this every day in Oregon and Washington.
Medicare Guides
Medicare Advantage (Part C): The Complete Guide
What Medicare Advantage actually covers, how the networks and costs work, and how to know if it's the right fit for you.
8 min readRead Guide
Medicare Supplement (Medigap): The Complete Guide
How Medigap fills the gaps in Original Medicare, what the lettered plans mean, and when you can enroll without medical underwriting.
9 min readRead Guide
Choosing a Medicare Part D Prescription Drug Plan
The 2025 redesign (no coverage gap, annual cap) plus the 2026 and 2027 dollar amounts, and how to pick a plan that covers your medications.
7 min readRead Guide
ACA Marketplace Guides
ACA Open Enrollment: A Step-by-Step Guide
What to do and when, including 2027 Open Enrollment dates for Oregon Explore Health and Washington Healthplanfinder.
6 min readRead Guide
Understanding ACA Metal Tiers
Bronze, Silver, and Gold explained, and why Silver deserves a second look even if it's not the cheapest.
5 min readRead Guide
Special Enrollment Periods Explained
Qualifying life events, the usual 60-day clock, and when extra time applies (including Medicaid or CHIP loss).
6 min readRead Guide
Oregon & Washington Rules
Oregon & Washington: Insurance Rules You Should Know
Medigap switching rights, marketplace deadlines, and short-term plan limits: the parts national guides skip.
5 min readRead Guide
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