HealthInsurance.help Guides https://healthinsurance.help/ Free 2027 calculators for ACA premium tax credits, Medicaid income limits, COBRA and special enrollment, built on CMS and IRS data. en-us Bronze, silver or gold for 2027 https://healthinsurance.help/guides/bronze-silver-gold-2027/ https://healthinsurance.help/guides/bronze-silver-gold-2027/ Sat, 24 Oct 2026 00:00:00 GMT In 1,104 of 2,055 HealthCare.gov counties the cheapest gold plan cost less than benchmark silver. How cost-sharing reductions change the pick. Open enrollment for 2027 coverage https://healthinsurance.help/guides/open-enrollment-2027-what-changed/ https://healthinsurance.help/guides/open-enrollment-2027-what-changed/ Sat, 24 Oct 2026 00:00:00 GMT HealthCare.gov open enrollment runs Nov 1, 2026 to Jan 15, 2027. The deadlines that matter and seven rule changes that affect what you pay in 2027. Retiring before 65 and the 2027 subsidy cliff https://healthinsurance.help/guides/retiring-before-65-health-insurance/ https://healthinsurance.help/guides/retiring-before-65-health-insurance/ Sat, 24 Oct 2026 00:00:00 GMT Early retirees face the full 400% cliff again in 2027. What counts as income, a worked Miami-Dade example, and the moves that keep a credit worth $27,000. Health insurance when you're self-employed https://healthinsurance.help/guides/self-employed-health-insurance-2027/ https://healthinsurance.help/guides/self-employed-health-insurance-2027/ Sat, 24 Oct 2026 00:00:00 GMT How freelancers figure income for the 2027 marketplace credit, which deductions lower it, and how to avoid a repayment bill now that there's no cap.