Tax credits
The 2027 ACA Subsidy Cliff: What the 400% Limit Means for Your Premium
Where the 400% limit falls by household size, the 2027 table, and where the law stands.
Daniels Health Advisors blog
Health insurance guides
Short, clear guides to help you pick and use your health coverage. Written by Paul Daniels, a licensed insurance agent.
Latest guides
9 guides · Updated Oct 4, 2026
Small employers
How to Offer Health Insurance to Employees When You Run a Small Crew
Group plans, CHOICE and QSEHRA, or a raise: how a small crew can offer coverage.
Plan types
PPO vs HMO Health Insurance: How to Tell Which Fits
How HMO, PPO, EPO, and POS networks differ, and how to check a plan before you pick.
Small employers
ICHRA vs QSEHRA: How Small Employers Can Compare Them
Who can offer each, employee classes, tax credit effects, and examples from trades crews.
Open enrollment
Supplemental Insurance for a High-Deductible Plan in 2027
How supplemental coverage fits a bronze plan, what it won't cover, and 2027 changes.
Health insurance basics
You're Probably Shopping for Health Insurance Backwards: The 5 Numbers That Actually Matter
Premium, deductible, copays, out-of-pocket max, and network: how to compare plans.
Open enrollment
How to Estimate Your Income for Marketplace Coverage in 2027
What income counts, who to include, and what happens if your guess is off.
Self-employed
The Self-Employed Health Insurance Deduction, Explained
Who can deduct their health premiums, the profit limit, and which form to use.
Family coverage
How to Choose Family Health Insurance: 5 Mistakes to Avoid
Five common mistakes families make when picking a plan, and how to avoid them.
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