United Liberty Health
News & Resources

Health Insurance News & Resources

Stay informed with the latest health insurance news, policy updates, and expert insights to make better healthcare decisions.

Latest Insights

Featured Articles

Trending
Policy Updates
5 min read
2026 ACA Subsidy Changes: What They Mean for Your Premium
The enhanced premium tax credits have changed for 2026. Here's how it affects what you pay and what to do if your subsidy dropped.
United Liberty Team
5/20/2026
ACA
Subsidies
2026
Savings
4 min read
Lost Your Subsidy? How to Lower Your Health Insurance Costs in 2026
If your premium jumped this year, you still have options - from plan changes to supplemental coverage that fills the gaps affordably.
United Liberty Team
5/12/2026
Savings
Premiums
2026

More to Read

Recent Articles

Coverage Guide
6 min read

Metal Tiers Explained: Bronze, Silver, Gold, Platinum

Bronze, Silver, Gold, or Platinum? Metal tiers describe how you and your plan split the cost of care - here's what each one means and how to pick the right fit.

United Liberty Team
7/7/2026
Metal Tiers
ACA
Subsidies
Coverage Guide
Health Insurance Basics
Insurance Types
7 min read

HMO vs. PPO vs. EPO vs. POS: Plan Types Explained

Four plan types, two simple questions: do you need a referral, and is out-of-network care covered? Here's how HMO, PPO, EPO, and POS compare so you can pick the right fit.

United Liberty Team
7/2/2026
Plan Types
HMO
PPO
Insurance Types
Health Insurance Basics
Coverage Guide
6 min read

Deductible vs. Out-of-Pocket Maximum: What's the Difference?

Two limits, two very different jobs. Here's what a deductible and an out-of-pocket maximum each mean, with a real example of how they work together over a year.

United Liberty Team
6/22/2026
Deductibles
Out-of-Pocket Maximum
Coverage Guide
Health Insurance Basics
Coverage Guide
6 min read

How Does Health Insurance Work? A Plain-English Guide

Premiums, deductibles, copays, coinsurance, and out-of-pocket maximums - explained in plain English so you can choose a plan with confidence.

United Liberty Team
6/9/2026
Health Insurance Basics
Deductibles
Coverage Guide
Tax Planning
3 min read

2026 HSA Contribution Limits: Maximize Your Tax Savings

The IRS updated Health Savings Account contribution limits for 2026. Here's how much you can set aside tax-free this year.

United Liberty Team
4/28/2026
HSA
Tax Savings
2026
Coverage Guide
6 min read

Telehealth Coverage in 2026: What's Included

Understanding telehealth benefits and coverage options across different insurance plans in 2026.

United Liberty Team
4/15/2026
Telehealth
Coverage
Benefits
Medicare
8 min read

Medicare Advantage vs. Original Medicare: 2026 Comparison

A comprehensive comparison to help you choose the right Medicare option for your needs in 2026.

United Liberty Team
3/30/2026
Medicare
Comparison
2026
Insurance Types
4 min read

Short-Term Health Insurance: Pros and Cons in 2026

When short-term health insurance makes sense, the 2026 rules to know, and what to watch out for.

United Liberty Team
3/18/2026
Short-term
Temporary Coverage
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Quick Resources
Essential tools and guides for health insurance decisions.

Health Insurance Glossary

Understand common health insurance terms and definitions.

Reference Guide

Provider Network Checker

Tool to verify if your doctors are in-network.

Online Tool

Prescription Drug Formulary Guide

How to check if your medications are covered.

Guide

Claims Process Walkthrough

Step-by-step guide to filing and tracking claims.

Tutorial

Missed Open Enrollment?

A qualifying life event - losing coverage, moving, marriage, or a new baby - may open a Special Enrollment Period so you can still get covered in 2026. Find out if you qualify.