Insights & articles
Clear, practical guidance on health coverage
Plain-language articles to help you understand your options and make confident decisions.
What Is ICHRA? A Guide for Employers
An Individual Coverage Health Reimbursement Arrangement (ICHRA) is a way for employers to offer health benefits by reimbursing employees, tax-free, for…
Premium Went Up in 2026? What to Do — Journey Health
If your ACA marketplace premium increased sharply in 2026, the most likely reason is that the enhanced premium tax credits that had lowered costs for…
COBRA Alternatives During Job Transitions — Journey Health
Career transitions do not require you to default to the expensive monthly premiums of traditional group COBRA plans. Transitioning workers can access an…
COBRA Alternatives for Employers — Journey Health
Small and mid-size employers can replace the heavy administrative strain and high costs of traditional COBRA by transitioning off-boarding or exiting…
COBRA Alternatives for Individuals — Journey Health
Individuals navigating a job transition can completely avoid the extreme premium costs of traditional COBRA by utilizing alternative paths like…
Health Benefits for Small & Mid-Size Employers
Small and mid-size employers can bypass the high costs and rigidity of traditional group health insurance by utilizing modern alternatives like Health…
Health Coverage After Job Loss — Journey Health
Losing a job does not have to mean losing your health coverage or draining your savings on traditional group plans. While standard COBRA allows you to…
Health Coverage Beyond Traditional Insurance — Journey Health
Individuals and families can bypass the soaring premiums and rigid rules of traditional health insurance by leveraging modern alternatives like health…
Health Coverage for 1099 Workers
Independent contractors, freelancers, and small business entrepreneurs represent one of the most financially exposed demographics regarding healthcare,…
Health Insurance Terms Made Simple
Navigating the health insurance market without a clear understanding of its foundational vocabulary exposes consumers to severe out-of-pocket financial…
Health Insurance Savings for Self-Employed — Journey Health
Maximizing your monthly savings as an independent contractor requires moving past single, high-cost retail insurance options. By utilizing specialized…
Choosing Health Benefits for Your Small Business — Journey Health
Choosing the best health benefits for a small business involves auditing your employees’ unique needs, shifting from volatile premiums to a fixed-budget…
Choosing Health Coverage for Your Family — Journey Health
Choosing the best health coverage for your family requires moving past face premiums and executing a structured four-step strategy: audit your household’s…
How to Compare Health Plans
Selecting an optimized health plan requires moving past a basic comparison of monthly premiums. By systematically evaluating total financial exposure,…
COBRA Alternatives & Coverage Gaps for 1099 Workers
Leaving a corporate position to launch an independent career can make health insurance feel like a major obstacle. While departing employees often rely on…
Short-Term Health Coverage After Job Loss — Journey Health
For individuals and families navigating the immediate aftermath of an unexpected job loss, short-term health insurance plans serve as an ideal temporary…
Understanding Health Insurance — A Complete Guide
Health insurance operates as a foundational contract to hedge against unpredictable clinical expenses, but the legacy commercial insurance system has…
5 Healthy Lifestyle Habits
Five simple, evidence-based habits for better everyday health — movement, sleep, nutrition, stress, and preventive care — from Journey Health Advisors.
Navigating Healthcare Costs
Practical strategies to navigate and lower your healthcare costs — premiums, out-of-pocket spending, and smarter coverage choices that fit your budget.
Patient Success Stories — Journey Health
The DPC model also emphasizes preventive care and proactive health management. With easier access to their primary care provider, patients are more likely…
The Rise of Direct Primary Care
In recent years, the healthcare landscape has been undergoing a significant transformation with the rise of Direct Primary Care (DPC). This innovative…
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