self-employed health insurance Archives

COBRA isn’t permanent — and knowing your real end date matters as much as your premium. This guide breaks down the 18, 29, and 36-month rules, how state mini-COBRA laws can add (or subtract) time, and what to do before your coverage runs out.

If you’ve just lost your job, cut back your hours, or aged off a parent’s or spouse’s plan, you’re probably staring at a stack of paperwork with one big question: should you keep your old employer’s health plan through COBRA, or shop for a private health insurance plan on your own? In 2026, that decision…

Construction worker in orange safety vest reviewing blueprints with a colleague, representing the need for proper health and accident insurance coverage for contractors and trades workers.

Construction workers face real injury risks every single day. But basic health insurance only covers your medical bills — not your rent, your car payment, or the weeks of income you lose while you heal. This guide breaks down exactly why basic coverage falls short for construction workers and 1099 contractors, what accident and disability insurance actually cover, and how to build a protection plan that keeps your health and your paycheck safe. Real numbers, real scenarios, and straightforward answers to help you make the right call before an accident forces your hand.

Three people happily converse outdoors near a federal building with a dome. Two women hold a tablet and notepad; one man holds a coffee cup.

The House extended ACA subsidies through 2028, but that doesn’t mean ACA is your best option. Learn how MAGI affects your costs and explore alternatives.

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