HSA
HSA limits 20262026 HSA contribution limits are $4,400 for self-only and $8,750 for family coverage, plus $1,000 at 55. HDHP limits incHSA limits 20272027 HSA contribution limits are $4,500 for self-only and $9,000 for family coverage, plus $1,000 at 55. HDHP limits incIs an HSA worth it?Whether an HSA is worth it: the triple tax break, investing for retirement, when a high deductible hurts, and how to cheHSA vs FSAHSA vs FSA side by side: eligibility, rollover, ownership, investing, and how to decide. Includes 2027 HSA limits.HSA catch-up at 55How the $1,000 HSA catch-up contribution works from age 55, including the rule that each spouse needs their own HSA, and
COBRA
COBRA FAQPlain answers to COBRA questions: the 102% cost rule, 18/29/36 months, 60-day election and 45-day payment deadlines, andCOBRA vs marketplaceHow to compare COBRA with an ACA marketplace plan: premium at 102%, deductible already met, tax credits, networks, and aHow COBRA cost is calculatedCOBRA costs up to 102% of the total plan premium. How to find the total premium (W-2 code DD), examples and a calculator
Marketplace
Affordability rule 2026For 2026 plan years, employer coverage is “affordable” if the employee-only premium is 9.96% of household income or lessTax credit table 2026The 2026 applicable percentage table for marketplace premium tax credits: what share of income you are expected to pay aPoverty level for 2026 coveragePoverty level income amounts used for 2026 marketplace coverage (from the 2025 HHS guidelines), at 100%, 138%, 150%, 200Affordability rule 2027For 2027 plan years, employer coverage is “affordable” if the employee-only premium is 10.22% of household income or lesTax credit table 2027The 2027 applicable percentage table for marketplace premium tax credits: what share of income you are expected to pay aPoverty level for 2027 coveragePoverty level income amounts used for 2027 marketplace coverage (from the 2026 HHS guidelines), at 100%, 138%, 150%, 200Bronze plans & HSAs (2026)From 2026, bronze and catastrophic marketplace plans count as HSA-eligible (IRS Notice 2026-5). What it means for HSA coFamily glitch fixHow the family glitch fix works: family members are tested on the cost of family coverage, so many can get marketplace t