CHOICE Arrangement (ICHRA) vs. Marketplace Coverage in 2026: How to Run the Affordability Math
Run the 2026 CHOICE Arrangement (ICHRA) affordability test at 9.96%, see how an offer changes your premium tax credit, and learn the self-employed limits.
$4.5T — What Americans Spend on Healthcare
Data-driven intelligence on healthcare pricing, insurance costs, and medical billing — because your health shouldn't break your wallet.
Latest Analysis
HDHP vs PPO in 2026: the breakeven math calculators miss
One claims guess can hide where HDHP and PPO costs cross. Here are the 2026 IRS limits, what the HealthCare.gov definitions actually say, and how to compare two plans at several claims levels.
The $400 Rule: How Uninsured and Self-Pay Patients Can Dispute a Bill That Beat Its Good-Faith Estimate
If your cash-pay bill is at least $400 above your written good faith estimate, you have 120 days to file, a $25 fee, and a collections freeze.
Healthcare policy and cost tracker: week of November 2, 2026
Open enrollment opened November 1, and January 1 brings Medicare's negotiated prices and the prior-auth API deadline. The dates that set 2027 costs.
AI medical bill tools in 2026: pricing, fees, and free options
Compare 2026 medical-bill tool fees, what remains after savings, and free-first options for hospital bills and insurance denials—without assuming paid help wins.
HSA vs FSA for Freelancers in 2026: What You Can Actually Open, and What It Saves
The health FSA is legally closed to self-employed people, so here is the account freelancers can open, what it covers, and how 2026 really changes the math.
What We Offer
Price Transparency Analysis
Hospital chargemaster rates decoded and compared across providers.
Policy & Regulation Tracking
No Surprises Act, site-neutral payments, and drug pricing reform updates.
Cost-Saving Strategies
Actionable guides to reduce out-of-pocket spending on procedures and prescriptions.