An HSA is one of the most tax-friendly accounts in existence — but it’s not right for everyone. Here’s how it works and how to tell if it’s worth it for you. Key takeaways An HSA lets you save pre-tax money for qualified medical expenses. You can only contribute if you have an HSA-eligible high-deductible … Read more
Mental health care is finally treated as real health care by insurance — but coverage still has rules. Here’s what’s covered and how to check your own plan. Key takeaways Marketplace health plans must cover mental health and substance use services. Plans can’t deny you or charge more for a pre-existing mental health condition. “Parity” … Read more
HMO or PPO? The choice shapes how much you pay and how freely you can see doctors. The plain-English difference, and the one number that should actually decide it for you. Key takeaways HMOs are cheaper but more restrictive; PPOs are pricier but more flexible. HMOs usually require referrals and staying in-network; PPOs don’t. The … Read more
Most people lose money on health insurance without ever realizing it. Here are seven common mistakes — and how to stop making them. Key takeaways The cheapest premium is often the most expensive plan overall. Ignoring your network can lead to huge surprise bills. Not reviewing your plan each year means you may be overpaying. … Read more