THE SHIELD: Your Guide to Smarter Health Coverage

Our Latest Articles

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.

OBBBA health insuranceOne Big Beautiful Bill ActACA subsidy cliff 2026ACA repayment cap removedMedicaid work requirements 2026OBBBA self-employedchoosing a health insurance planhealth insurance options2026 insurance2026 premium increasehealth insurance after open enrollmentnew insurance changesmarketplace insurancewhat is OBBBA

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.

OBBBA health insuranceOne Big Beautiful Bill ActACA subsidy cliff 2026ACA repayment cap removedMedicaid work requirements 2026OBBBA self-employedchoosing a health insurance planhealth insurance options2026 insurance2026 premium increasehealth insurance after open enrollmentnew insurance changesmarketplace insurance

Health Insurance for Self-Employed Workers in 2026 — How to Avoid the Tax Trap

Learn how new 2026 health insurance rules could cost self-employed professionals thousands — and how to lock in your PPO rate now.

self-employed health insurance 2026PPO for freelancersACA tax trap2026 premium increaseaca insurancemarketplace insurancehealth coveragenew insurance changes2026 insurance