The Liberty Health Blog
Straight answers to health insurance questions
No jargon, no fearmongering — just the real math we walk families through every day, written down.
What Is an Out-of-Pocket Maximum? Your Safety Net, Explained
Your out-of-pocket maximum is the most you can pay for covered care in a year. Here is how it works and why it matters more than your premium in a bad year.
August 11, 2026ComparisonsPPO vs. POS Health Plans: What's the Real Difference?
PPO and POS plans both let you go out of network, but they get there differently. Here is a plain-English look at referrals, networks, and costs.
August 3, 2026Life ChangesHealth Insurance for a New Baby: What Parents Need to Know
A new baby changes everything, including your health insurance. Here is how to add your newborn, what deadlines matter, and how to keep costs sensible.
July 21, 2026By ProfessionDo Real Estate Agents Get Health Insurance? Here Are Your Options
Most real estate agents are 1099 contractors, so there is no company plan waiting for them. Here are the real options and what they typically cost.
July 9, 2026CostsHow Much Does COBRA Cost? The Sticker Shock, Explained
COBRA lets you keep your employer plan, but you pay the full price plus a fee. Here is why the bill is so high and what your alternatives look like.
June 29, 2026CostsIs a Zero-Deductible Health Plan Worth It?
No deductible sounds like a dream, but you pay for it every month. Here is how to figure out whether a zero-deductible plan actually saves you money.
June 16, 2026Life ChangesMoving to a New State? Here's What Happens to Your Health Insurance
A move across state lines usually means a new health plan. Here is what transfers, what does not, and how to avoid a coverage gap on the way.
June 2, 2026ComparisonsPPO vs. EPO Health Plans: Freedom, Networks, and Price
PPO and EPO plans both skip the referral hassle, but only one covers you outside the network. Here is how to choose between them.
May 19, 2026Self-EmployedHealth Insurance for Small Business Owners: A Practical Guide
From solo owners to small teams, here are the realistic ways business owners get covered, and how to decide between group and individual routes.
May 6, 2026BasicsWhat Is a Health Insurance Deductible? A Plain-English Guide
The deductible is the number everyone quotes and few explain. Here is exactly how it works, what counts toward it, and how to pick the right size.
April 22, 2026Life ChangesHow to Get Health Insurance Without a Job
No employer does not mean no options. Here are the real ways to get covered without a job, from the marketplace to private plans to COBRA.
April 9, 2026By ProfessionHealth Insurance for Travel Nurses: Coverage That Moves With You
Agency coverage ends when the contract does. Here is how travel nurses build health coverage that survives gaps, moves, and multi-state life.
March 26, 2026CostsHow to Lower Your Health Insurance Premium Without Gutting Your Coverage
Premiums climbed hard into 2026, but you have more levers than you think. Here are practical ways to cut the monthly bill without going bare.
March 12, 2026Life ChangesTurning 26? Here's Your Health Insurance Game Plan
At 26 you age off your parents' health plan. Here is exactly when coverage ends, what your options are, and how to switch without a gap.
February 26, 2026ComparisonsCOBRA Alternatives: 5 Options That May Cost You Less
COBRA is convenient but pricey. Before you sign that election form, here are five alternatives worth comparing, and when each one makes sense.
February 12, 2026CostsHow Much Does Health Insurance Cost for a Family of 4?
Family premiums vary wildly by route, state, and health. Here are the typical ranges for 2026 and the factors that move your number most.
January 29, 2026BasicsIs Private Health Insurance Worth It? An Honest Look
Private underwritten plans can save healthy families real money, but they are not for everyone. Here is an honest breakdown of who wins and who should pass.
January 15, 2026Self-EmployedHealth Insurance for Gig Workers and 1099 Contractors
No employer, no benefits department, no problem. Here is how gig workers and 1099 contractors get real health coverage on variable income.
January 5, 2026BasicsCan You Get Health Insurance Outside Open Enrollment? Yes — Here's How
Missed open enrollment? You still have paths to real coverage: special enrollment periods, year-round private plans, and a few programs with no windows at all.
December 18, 2025BasicsPre-Existing Conditions and Private Health Insurance: The Honest Truth
Private underwritten plans ask about your health history, and that changes everything. Here is what counts, what happens, and when the marketplace is simply better.
December 8, 2025CostsHow Much Does Private Health Insurance Cost in 2026?
Private underwritten plan pricing depends on your age, state, and health. Here are typical ranges for 2026 and what actually moves the number.
November 24, 2025ComparisonsPrivate vs. Marketplace Health Insurance: Which One Fits You?
One guarantees acceptance; the other rewards good health. Here is a fair, side-by-side look at private underwritten plans and ACA marketplace coverage.
November 13, 2025BasicsWhen Is Open Enrollment for Health Insurance? Dates and Deadlines
Open enrollment for marketplace coverage runs each fall and winter, but the exact dates and what they mean for your start date trip people up. Here is the rundown.
November 3, 2025BasicsShort-Term Health Insurance, Explained: Bridge, Not a Home
Short-term plans are cheap and fast, and they leave big things out. Here is what they cover, what they exclude, and when one actually makes sense.
October 27, 2025Life ChangesHealth Insurance Between Jobs: Don't Risk the Gap
Between jobs is exactly when coverage matters most. Here is how to bridge the gap with COBRA, marketplace, private, or short-term coverage.
October 20, 2025Life ChangesLosing Employer Health Coverage? Here Are All Your Options
Layoff, resignation, or cut hours — losing job-based coverage opens several doors at once. Here is every option and the deadlines attached to each.
October 13, 2025ComparisonsCOBRA vs. Private PPO: Which Should You Choose After Leaving a Job?
Keep the old plan at full price, or start fresh with a private PPO? Here is a clear-eyed comparison of cost, continuity, and risk.
October 6, 2025Life ChangesHealth Insurance for Early Retirees: Bridging the Gap to Medicare
Retire before 65 and you need a bridge to Medicare. Here is how early retirees handle the priciest insurance years of their lives.
September 29, 2025BasicsDo Health Insurance Brokers Charge Fees? How Advisors Get Paid
Working with a health insurance broker is typically free to you. Here is how brokers are actually paid, and the questions that keep them honest.
September 22, 2025Self-EmployedThe Self-Employed Guide to Health Insurance
No employer plan? No problem. Here is the full playbook for the self-employed: marketplace vs. private coverage, the tax deduction, and how to choose.
September 15, 2025ComparisonsPPO vs. HMO: The Difference in Plain English
The oldest question in health insurance, answered simply: how PPO and HMO plans differ on referrals, networks, cost, and who each one fits.
September 8, 2025BasicsWhat Is a PPO Plan? A Friendly Introduction
PPO plans are the most flexible kind of health coverage most families can buy. Here is what the letters mean and how these plans actually work.
September 1, 2025Ready to find the right health insurance for you?
Ten minutes on the phone with a licensed Liberty Health advisor and you'll know what every option really costs — even if the honest answer is that the marketplace suits you better.
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