Your Bronze Plan Became an HSA Plan — No One Opens It for You
Since January 2026, bronze and catastrophic marketplace plans count as HSA-qualified coverage. But enrolling does not create the account, silver still has to earn it the old way, and one common piece of coverage quietly disqualifies you.
Still Getting a Paper Social Security Check? How to Switch Safely
Federal benefit payments are moving off paper checks — but missing the deadline does not stop your Social Security. If you or a relative still gets a paper check, here's how to switch to direct deposit or the Direct Express card, how to request a waiver…
Claiming Social Security: 62, Full Retirement Age, or 70?
Claiming early is a permanent cut. Delaying past your full retirement age pays 8 percent a year — until 70, when it stops cold. Here is the arithmetic, and the earnings-test trap.
ACA Marketplace Subsidies After the Enhanced Credits Expired
The pandemic-era boost to premium tax credits ended on December 31, 2025. The regular credit did not. Here is what still lowers your premium, and how the enrollment windows really work.