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.