The Open Enrollment checklist that actually prevents problems
Eleven things to have in hand before November 1, in the order they will be asked for, so your application does not stall on a data-matching issue.
Notes
The parts of the system that cost people money
Four long reads on the mechanics that are hard to find written down clearly. No newsletter gate, no listicles, no reading time under four minutes.
All notes
Costs
Why your Gold plan might cost less than Silver
Silver loading is the most counter-intuitive mechanic in the marketplace, and the reason comparing premiums before the tax credit gives you the wrong answer.
Read the note
Enrollment
SubsidiesYour income changed. Here is what to do about your subsidy.
Report it, or repay it. How the advance premium tax credit reconciles at tax time, what the repayment caps are, and why 400% of the poverty level is a cliff and not a slope.
CoverageHow to read a network before it costs you
HMO, PPO and EPO are not quality ratings. They are rules about who you can see and what happens when you go outside the lines.