From the Desk of Ryder Keen

Health Insurance, Explained Simply

No jargon, no fluff. Plain-English guides from a licensed advisor who does this every day.

COBRA August 2026 · 10 min read

COBRA Alternatives: What to Do When COBRA Is Too Expensive

COBRA averaging $700+/month? Compare 5 cheaper alternatives — ACA plans, private PPOs, short-term coverage — and how to switch without a gap in coverage.

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Self-Employed August 2026 · 11 min read

Health Insurance for Self-Employed: Your Options Without an Employer Plan

Freelancer or 1099 contractor? Every coverage option explained in plain English — ACA plans, private PPOs, tax deductions, and how to get the best rate.

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PPO Plans August 2026 · 9 min read

How to Get Private PPO Health Insurance Without an Employer

Most people think PPO plans only exist through employers. They're wrong. Here's how to find and buy a private PPO from United Healthcare, Aetna, or Cigna — on your own.

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