The Education Hub
Come with questions. Leave with understanding. Free, plain-spoken guides for everyone — whether or not you're a First Cover Health client.
Five categories, zero jargon
Pick a topic and get a clear guide with real next steps. Open to everyone, no strings attached.
Health Insurance 101
How premiums, deductibles, networks, and out-of-pocket costs fit together.
Medicare Made Simple
Parts A, B, C, and D, when to enroll, and how Advantage vs. Supplement differ.
Life Insurance Basics
Term vs. whole life, how much coverage makes sense, and what decides it.
ACA Marketplace Guide
Metal tiers, premium tax credits, and how to pick a plan without overpaying.
Group Benefits Explained
How employer plans, HMOs, and open enrollment work through your job.
A quick estimate, refined with you free
Start with a plain-language estimate, then get a free personalized review from a licensed agent who explains what fits.
Life insurance need
Estimate coverage using income, debts, final expenses, and support years.
Deductible vs. premium
See when a high-deductible plan saves money and when to pay up front.
Medicare plan compare
Walk through Original Medicare, Advantage, and Supplement side by side.
Mark your calendar for 2026 and 2027
The 2027 plan-year windows open soon. Current 2026 deadlines and upcoming 2027 dates are both covered below.
Medicare Annual Enrollment
Oct 15 to Dec 7, 2026, for the 2027 plan year. Changes start Jan 1, 2027.
ACA Marketplace Open Enrollment
Nov 1, 2026 to Jan 15, 2027 for 2027 coverage. Apply by Dec 15 for Jan 1 start.
Medicare Advantage Open Enrollment
Jan 1 to Mar 31, 2027 to switch or drop an Advantage plan.
Employer annual enrollment
Varies by employer, usually in the fall. Watch for your employer's notice.
Special Enrollment Periods
Job loss, marriage, or a new baby can reopen a 60-day window year-round.
Speak insurance without the headache
A plain-spoken glossary because veritas includes speaking plainly. Premium: what you pay, usually monthly, to keep coverage active. Deductible: what you pay out of pocket before insurance starts helping. Copay: a flat fee at the time of care, like $30 a visit. Coinsurance: your share of a cost after the deductible. Out-of-pocket maximum: the most you pay in a year before insurance covers 100%. Network: doctors and facilities your plan discounts. Formulary: your plan's list of covered drugs. Subsidy (APTC): help lowering your Marketplace premium. HMO: in-network care with a primary care referral. PPO: freedom to go out-of-network at a higher cost. EPO: in-network only, no referral needed. Special Enrollment Period: a window after a life event. Beneficiary: who receives a life insurance payout. Rider: an add-on that customizes a policy. Medigap: a supplement covering Medicare's out-of-pocket gaps.
You can read all day. One call settles it.
Skip the guesswork. A licensed First Cover Health agent will review your options on the phone and tell you exactly what fits, no pressure.
Get a personalized plan review from a licensed agent
Tell us where you are in the process and we'll point you to the right coverage. We reply within one business day.