How to keep premium tax credits

Andresr | E+ | Getty Images The so-called subsidy cliff for Affordable Care Act health insurance premiums is about to return in 2026. But there are steps households can take to avoid the cliff — and potentially save thousands of dollars on premiums next year, according to financial planners. The subsidy cliff refers to the […]

Make the most of health care expenses before end of year

Momo Productions | Digitalvision | Getty Images As health-care costs continue to climb, you may want to make sure you’re not leaving valuable tax breaks or pre-tax dollars on the table this year. Rising premiums, steeper deductibles and higher out-of-pocket maximums have put more pressure on household budgets, making year-end planning important, experts say. Among […]

How to pick a plan as health insurance premiums rise

A poster reads “Affordable Care Act Premiums Will Rise More Than 75%” as Senate Minority Leader Chuck Schumer (D-NY) (2nd-L), accompanied by Sen. Jeanne Shaheen (D-NH) (L), speaks at a news conference to call on Republicans to pass Affordable Care Act tax breaks on Capitol Hill on Sept. 16, 2025 in Washington, DC. Andrew Harnik […]

8 money mistakes that can ruin your retirement and how to avoid them

Most people associate retirement with a slow, relaxed pace of life, pursuing passions and spending time with family, bereft of anxieties, financial or otherwise. Yet, many retirees wake up to a rude reality, when they find their corpus too small to sustain them through retirement, or a bulk of their savings wiped out by a […]

How to fix the health insurance industry everybody seems to hate

The Dec. 3 murder of UnitedHealthcare CEO Brian Thompson has garnered ugly cheers from frustrated Americans who feel he had it coming. Social media swelled with tales of people denied healthcare coverage from insurers such as UNH, who seemed to view Thompson’s slayer as a kind of health-justice folk hero. Whoever killed Thompson is a […]

How to port group health policy to individual plan

Porting group health policy to individual plan Transitioning from a group health insurance to an individual policy is crucial for employees seeking independent coverage. Porting ensures continuity without losing accrued benefits. Here’s how to do it. Notify the insurerThe policyholder must notify the insurer of his intent to port from a group to an individual […]

How to personally audit your financial life to ensure you are on track

In this article, while we will try to establish a structure to personal financial audits, we should also acknowledge that since we are emotionally attached to our finances (and we also have our own biases), it would be necessary at times and for some people to have some external intervention, like getting professional investment advisers […]

How to navigate premium increases for long-term care insurance

Halfpoint Images | Moment | Getty Images Supporting aging parents is an extremely difficult situation that comes with both emotional and financial complications. The cost of long-term care insurance is a prime example. This insurance, essential for covering costs not typically included in standard health insurance or Medicare, such as nursing home stays or in-home […]