THE SHIELD: Your Guide to Smarter Health Coverage

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What Is OBBBA? A 5-Minute Guide for Confused Consumers

OBBBA changed your 2026 health insurance — here's the plain-English 5-minute explanation of what it is, who it affects, and what to do about it.

Smart CoverageMoney-Saving TipsUnderstanding Your BenefitsACA & Open Enrollment

The Complete Guide to OBBBA and Your 2026 Health Insurance

The One Big Beautiful Bill Act rewrote ACA, Medicaid & HSA rules for 2026. See every change, who it affects, and what to do — explained in plain English.

Smart CoveragePrivate Plans & PPO SolutionsMoney-Saving TipsUnderstanding Your BenefitsACA & Open Enrollment

What Happens If You Miss Open Enrollment?

Missed the health insurance Open Enrollment deadline? Don’t worry—you may still qualify for coverage. Explore your options for 2025, including Special Enrollment and short-term plans.

Smart CoveragePrivate Plans & PPO SolutionsSelf-Employed & 1099 WorkersPre-Retirement PlanningUnderstanding Your BenefitsACA & Open EnrollmentIndemnity Insurance InsightsShort-Term Medical ExplainedMinimum Essential Coverage (MEC)