Health savings account rules made simple. See the 2026 HSA contribution limits, who qualifies, the deadlines, and the three mistakes that trigger a tax bill.
A high deductible health plan (HDHP) pairs a lower premium with a higher deductible, and it is the only plan that lets you open an HSA. See the 2026 IRS limits, real costs, honest pros and cons, and who an HDHP fits.
Texas does not have a state-level health insurance mandate, and the federal individual mandate penalty has been $0 since 2019. The real “penalty” for letting health insurance lapse between jobs in
Temporary health insurance in Texas is another name for short-term limited-duration insurance (STLDI). It is private, non-ACA coverage that bridges gaps from 30 days to 36 months. Texas state law
Short-term health insurance in Texas does not cover maternity care, prenatal visits, labor, or delivery. A Kaiser Family Foundation review found that 0 of the 24 short-term plans covered maternity. Pregnant
Texans retiring before age 65 need to bridge health insurance before Medicare eligibility. The most flexible path for healthy early retirees is a private PPO or short-term medical plan: you
Missing Open Enrollment in Texas does not lock you out of coverage. You can still enroll in an ACA Marketplace plan if you have a qualifying life event, get year-round
When you turn 26 in Texas, you typically age off your parents’ health insurance at the end of your birthday month. You then have a 60-day Special Enrollment Period to
COBRA continuation is rarely the cheapest health insurance option in Texas. Three viable alternatives are short-term health insurance ($80 to $300 per month), ACA Marketplace plans with subsidies ($0 to
Health insurance between jobs in Texas have four practical options: short-term coverage, COBRA continuation, ACA coverage through a Special Enrollment Period, and a spouse’s employer plan. Short-term coverage can now last
