Start with something useful before you ever call.

These are the things I end up explaining on most calls, written down so you can read them first. Every one is free, complete on the page, and needs no form. If they answer your question entirely, that is a good outcome — and if they raise a new one, that is what the phone is for.

• Anyone weighing two or more plans against each otherCoverage Comparison ChecklistWhat is worth comparing between two health plans, in the order that usually matters — and what looks important on a summary page but rarely changes the decision.6 min read · Read it here
• Anyone about to enrol, with or without helpQuestions to Ask Before EnrollingQuestions worth asking anyone helping you enrol — including me. If someone cannot answer these plainly, that is useful information.5 min read · Read it here
• Anyone leaving a job, being laid off, or ageing off a parent’s planLosing Employer Coverage: A TimelineWhat the clock actually looks like when job-based coverage ends, and which decisions have hard deadlines attached.7 min read · Read it here
• Anyone approaching 65, and family helping themTurning 65: A Medicare ChecklistWhat to do in the months around your 65th birthday, and which of those steps carry a penalty if you miss them.8 min read · Read it here
• Freelancers, contractors, consultants, and sole proprietorsSelf-Employed Coverage ChecklistWhat changes about health coverage when nobody else is buying it for you — including the income estimate that quietly drives everything else.7 min read · Read it here
• Owners with employees, and whoever ends up handling benefitsSmall-Business Coverage OverviewWhat an owner actually has to decide when offering health coverage, and the reimbursement routes that exist besides a group plan.7 min read · Read it here