Health insurance is a significant expense for small business owners. Understanding the available tax deductions—including the self-employed health insurance deduction—can meaningfully reduce your net cost of coverage.

Medicare Part D drug coverage has multiple phases that affect what you pay at the pharmacy. Understanding how the coverage gap works—and how recent changes affect you—helps you plan your prescription costs throughout the year.

Choosing between Medicare Advantage and Medigap depends on your healthcare needs, budget, and preferences. Medicare Advantage replaces Original Medicare with managed care, while Medigap supplements Original Medicare with predictable costs and unlimited provider choice.

While ACA health insurance enrollment is typically limited to Open Enrollment, certain life changes trigger Special Enrollment Periods. Loss of coverage, household changes, and moves to new areas all provide opportunities to enroll or change plans mid-year.