What we write about
Rule changes, deadlines, and the things the rest of the web gets wrong. Every post is sourced to primary documents and checked against them before it publishes. Where a rule is genuinely unsettled, we say so rather than presenting it as fixed.
August 17, 2026
Why Health Insurance Costs More in 2026
Premiums up 58%, deductibles up 37%, and a subsidy cliff that came back. What changed and what you can do about it.
August 17, 2026
Open Enrollment 2027: Every State's Dates
Nine jurisdictions don't follow the federal schedule. The full table, and one caution about a pending appeal.
August 17, 2026
Where Short-Term Health Plans Are Legal in 2026
Fifteen jurisdictions where you can't buy one, and why the widely-quoted three-month limit is no longer the real rule.
Common questions
How often do you publish?
When something changes that affects a decision — a rule, a deadline, a data release. We would rather publish less and be right than publish weekly.
Who writes and checks these?
Written and checked by CobraScout against the primary sources listed at the bottom of each post. The date it was last checked appears there too.
How do I report an error?
Tell us and we will fix it — see our corrections policy. On this subject a wrong date can cost someone a year of coverage, so corrections are not an embarrassment, they are the point.
Talk it through with a licensed agent
Which option is right depends on your state, your income and which doctors you need to keep. A licensed agent can walk through it with you in about eight minutes.
Free to call, no obligation, and we never ask you for payment. CobraScout is paid by the agency that answers, not by you. TTY 711.
Sources
- HealthCare.gov, Dates and deadlines for 2027 health insurance
- KFF, 2026 Marketplace enrollment, premiums and deductibles (updated July 15, 2026)
- CMS, 2026 Marketplace Open Enrollment Period national snapshot
- U.S. Department of Labor / HHS / Treasury, Short-Term Limited Duration Insurance statement, August 7, 2025