Quick answer: Cigna is leaving Arizona’s ACA Marketplace at the end of 2026, so every Cigna Marketplace member needs a new plan for 2027. Open
Lost coverage, moved, got married, or had a baby? How Special Enrollment Periods work in Arizona, which life events qualify, and your options if you don’t.
A QSEHRA lets Arizona businesses with fewer than 50 employees reimburse health premiums tax-free without a group plan. 2026 limits, rules, and how it affects subsidies.
HMO, EPO, or PPO? How self-employed Arizonans can pick the right plan type for 2027 based on where they work, their doctors, subsidies, and budget.
Quick answer: ACA Marketplace premiums are going up again in 2027. Among the 32 HealthCare.gov states below, average increases range from 6% in Arkansas to
Quick answer: Your spouse and kids don’t have to stay on your work plan. For healthy families in 2027, especially those earning over 400% FPL
Quick answer: For 2027, employer coverage counts as “affordable” if your share of the premium is 10.22% of household income or less. The test is
Quick answer: Employer health insurance for 2027 is likely to cost employees more, especially for family coverage. During your company’s open enrollment, compare your payroll
Quick answer: Many ACA marketplace plans use narrower HMO or EPO networks with referral requirements and little or no out-of-network coverage. Private plans from major
Quick answer: Most business owners keep the family health plan they picked when the business was smaller. Once household income passes the ACA subsidy line
Quick answer: For 2026 coverage, ACA premium tax credits end completely at 400% of the federal poverty level: $62,600 for a single person, $84,600 for
A contract ending, a slow quarter, or a big new client doesn’t qualify you for a Special Enrollment Period, so contractors often end up stuck with a plan that stopped fitting months ago. This guide breaks down where the ACA calendar breaks down for gig workers and how year-round private plans fill the gap.
