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Clear guides to US auto, home, renters and life insurance: what your state requires, what each coverage does, how premiums are set and how to compare quotes line by line.
State minimums, coverage types, rating factors and driver profiles.
7 guides →Homeowners policy forms, coverage limits, deductibles, flood and earthquake gaps.
2 guides →What a renters policy covers, what it leaves out and how much you need.
1 guides →Term vs permanent coverage, how much you need and how to check a policy.
2 guides →Marketplace plans, subsidies, open enrollment and metal levels.
5 guides →How to compare quotes like for like and which discounts to ask about.
2 guides →
ACA metal levels explained: what bronze, silver, gold, platinum and catastrophic plans pay, actuarial value, and how to weigh premium against deductible.
Updated October 18, 2026 · 9 min read
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ACA open enrollment dates for 2026 and 2027: HealthCare.gov runs November 1 to January 15. Start dates, state exchange rules and the court ruling.
How the ACA premium tax credit works in 2026 and 2027: the 400% FPL limit is back, benchmark silver plan, expected contribution and Form 8962 repayment.
ACA special enrollment period rules for 2026: qualifying life events, 60-day deadlines, documents to send, and what happened to the low-income SEP.
Cost-sharing reductions explained: who qualifies (100% to 250% of FPL), the 73, 87 and 94 silver plan variants, 2027 limits, and why you must pick silver.
State minimum car insurance for all 50 states and DC in 2026: liability limits, PIP and UM/UIM rules, recent changes, and how to read 25/50/25.
Car insurance coverage types in plain English: liability, collision, comprehensive, PIP, MedPay, UM/UIM and gap, plus how limits and deductibles work.
Topics come from the questions drivers, renters and families actually ask.
State insurance departments, statutes, the NAIC, FEMA and federal agencies come first.
Numbers carry their source and “as of” date in the same sentence.
Every guide is reviewed at least every 12 months, sooner when a law changes.
Guides written for US readers in English, Spanish, Simplified Chinese, Vietnamese and Korean.
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