The State of Health Insurance in 2025
6 min read • Updated Oct 2025
Key shifts shaping coverage decisions and where educational affiliates add real value.
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Clear, practical explanations to help you choose the right coverage.
Funding Models: Fully Insured vs. Self-Funded vs. Level-Funded
5 min read • Updated Nov 2025
Pros, cons, and which model fits best for cost, risk, and transparency.
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Small Business and the ACA: Challenges Coming Jan 1, 2026
7–9 min read • Updated Jan 2026
Subsidy shifts, affordability pressure, and what employers should prep for.
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Top 5 Mistakes Affiliates Make Explaining Health Plans
4 min read • Updated Jan 2026
From oversimplifying coverage to skipping disclaimers — what to avoid when educating clients.
Coming soon
Why Plan Price Isn’t the Same as Plan Cost
5 min read • Updated Jan 2026
Premiums are only part of the story. Deductibles, risk exposure, and plan structure determine what coverage really costs.
Coming soon
What Small Employers Get Wrong About Affordability
5 min read • Updated Feb 2026
Affordability isn’t just about meeting ACA thresholds. Contribution strategy and plan design shape employee outcomes.
Coming soon