Free guides and worksheets
Updated for plan year 2026
Seven printable guides for the decisions that don’t fit on a calculator screen: the COBRA comparison, the self-employed playbook, the subsidy income chart, a denied-claim appeal kit, and more. Each is free; opening one means a licensed insurance agent may follow up, which is what the consent covers.
2026 subsidy income eligibility chart
Annual income by household size against every poverty-level line that decides Medicaid, cost-sharing reductions, and the premium tax credit, in dollars.
The COBRA decision, in three numbers
Reduce the COBRA-versus-marketplace choice to three numbers and an honest hour, with the checklist for when keeping COBRA actually wins.
Employer vs. marketplace decision grid
The two paths laid side by side, including the affordability rule that quietly decides whether you even qualify for a subsidy.
Self-employed coverage playbook
Estimating income when profit fluctuates, the §162(l) deduction and its circular interaction with the subsidy, HSA pairing, and a quarterly re-estimation calendar.
New parent coverage checklist
The 60-day window that birth, adoption, or foster placement opens, with the rule that lets coverage reach back to the day of the event.
Turning-26 coverage checklist
The real deadline depends on the parent plan type; this pins down your date and walks the handoff in order, with a first-plan vocabulary box.
Denied-claim appeal kit
The two appeal stages federal law guarantees (internal review, then an independent external reviewer), with the deadlines and a fill-in letter.