When both spouses work and have access to health insurance through their employers, the assumption is often that more coverage equals better protection. But dual health insurance coverage often creates more confusion and higher costs than benefits. Understanding coordination of benefits rules and making strategic choices about coverage can save your family thousands of dollars…

High deductible health plans (HDHPs) promise lower monthly premiums, but they often create unexpected financial burdens that can make healthcare more expensive overall, especially for people who actually need medical care. Understanding these hidden costs can help you make better insurance decisions. Twenty-seven percent of covered workers are now enrolled in HDHPs, up from just…

I'll never forget the morning my friend Sarah called me in tears. It was mid-January, and she'd just gotten a $3,400 bill for her husband's emergency room visit. "I thought we had good insurance," she sobbed. That's when I learned they'd been auto-enrolled in their employer's most expensive plan because they'd missed the December deadline.…