Health insurance (ACA)
ACA Metal Levels Explained: Bronze to Platinum
ACA metal levels explained: what bronze, silver, gold, platinum and catastrophic plans pay, actuarial value, and how to weigh premium against deductible.
Editorial team
Insurance Compared Daily Editorial Team
The Insurance Compared Daily Editorial Team writes plain-language guides to US auto, home, renters and life insurance. Every article is researched from primary and official sources such as state insurance departments, state statutes and DMVs, the National Association of Insurance Commissioners, FEMA and federal agencies, cited with dates, and reviewed at least every 12 months or sooner when a rule changes. We are not licensed insurance agents and we do not sell insurance or take payments from insurers. Bylines will name individual writers and reviewers, with their qualifications, when they join the team.
Editorial policyHow we researchhello@insurancecompareddaily.com
Guides by the editorial team
-
Health insurance (ACA)ACA Open Enrollment Dates for 2026 and 2027
ACA open enrollment dates for 2026 and 2027: HealthCare.gov runs November 1 to January 15. Start dates, state exchange rules and the court ruling.
Health insurance (ACA)ACA Premium Tax Credit: How Subsidies Work in 2026
How the ACA premium tax credit works in 2026 and 2027: the 400% FPL limit is back, benchmark silver plan, expected contribution and Form 8962 repayment.
Health insurance (ACA)ACA Special Enrollment Periods: Rules and Deadlines
ACA special enrollment period rules for 2026: qualifying life events, 60-day deadlines, documents to send, and what happened to the low-income SEP.
Health insurance (ACA)Cost-Sharing Reductions Explained: Silver 73, 87, 94
Cost-sharing reductions explained: who qualifies (100% to 250% of FPL), the 73, 87 and 94 silver plan variants, 2027 limits, and why you must pick silver.
Auto insuranceState Minimum Car Insurance Requirements (2026)
State minimum car insurance for all 50 states and DC in 2026: liability limits, PIP and UM/UIM rules, recent changes, and how to read 25/50/25.
Auto insuranceCar Insurance Coverage Types Explained (2026)
Car insurance coverage types in plain English: liability, collision, comprehensive, PIP, MedPay, UM/UIM and gap, plus how limits and deductibles work.
Auto insuranceHow Car Insurance Rates Are Calculated (2026)
How car insurance rates are calculated: driving record, ZIP code, vehicle, mileage, age, credit-based scores, state bans and how regulators review rates.
Auto insuranceNo-Fault vs At-Fault States: How They Differ (2026)
No-fault vs at-fault states explained: the 12 no-fault states, choice no-fault rules, how PIP pays, and when you can still sue under tort thresholds.
Auto insuranceAdding a Teen Driver to Car Insurance (2026 Guide)
Adding a teen driver to car insurance: when to tell your insurer, permit rules, graduated licensing, discounts to ask about and how to keep costs in check.
Auto insuranceSR-22 Insurance Explained: What It Is and How Long
SR-22 insurance explained: it is a certificate, not a policy. Learn who needs one, FR-44 rules, non-owner SR-22s, filing periods and what a lapse means.
Auto insuranceFlorida Car Insurance Requirements (2026)
Florida car insurance requirements for 2026: $10,000 PIP and $10,000 property damage liability, no-fault rules, the 14-day PIP rule, FR-44 and UM choices.
Home insuranceHomeowners Insurance Coverage Explained (2026)
Homeowners insurance coverage in plain English: HO-3 vs HO-5, HO-6 and HO-8 forms, Coverages A-F, replacement cost vs ACV, deductibles and exclusions.
Home insuranceDoes Homeowners Insurance Cover Flooding? (2026)
Does homeowners insurance cover flooding or earthquakes? Usually not. How NFIP flood insurance, private flood, CEA policies and sewer backup cover work.
Renters insuranceWhat Does Renters Insurance Cover? (2026 Guide)
What does renters insurance cover? HO-4 basics: belongings, liability and loss of use, what is excluded, ACV vs replacement cost, and how much to buy.
Life insuranceTerm vs. Whole Life Insurance: Key Differences (2026)
Term vs whole life insurance in plain English: how term, whole, universal and variable life work, plus cash value, policy loans, conversion and free look.
Life insuranceHow Much Life Insurance Do I Need? (2026 Guide)
How much life insurance do I need? Estimate it with income replacement, the DIME method and a needs worksheet, minus Social Security and group coverage.
Compare & saveHow to Compare Insurance Quotes Side by Side
How to compare insurance quotes for auto, home or renters: a side-by-side worksheet, how many quotes to get, agents vs direct, and how to check an insurer.
Compare & saveCar and Home Insurance Discounts: A Plain Guide (2026)
Car and home insurance discounts explained: bundling, safe driver, good student, telematics, home safety, wind mitigation and how to ask for a review.