Insurance Basics
How the ACA works and why premiums are rising
The ACA created rules for private insurers and a marketplace for coverage. When cost-control mechanisms weaken, premiums spike, affecting what you pay.
Team Decipher
Team Decipher is the founding team behind Decipher Healthcare, an AI healthcare navigation initiative. Our team works across healthcare operations, AI, and consumer technology to help everyone understand benefits, find care, and get healthier.
Insurance Basics
Health Insurance Options for Self-Employed 2026
Explore health insurance options for self-employed people in 2026. Learn about ACA marketplace subsidies, tax deductions, and coverage costs.
Billing & EOBs
How to Check Medical Bills for Errors
Medical billing errors are common, and patients often catch them. Learn how to review your Explanation of Benefits, compare bills, and dispute mistakes.
Open Enrollment
Enrolled in Wrong Health Insurance Plan? Here's What to Do
If you enrolled in the wrong workplace health plan, verify your coverage tier and contact HR to correct the mistake before your next paycheck.
Billing & EOBs
What to Do About Medical Bills From Insurance Gaps
If you received medical care while uninsured, you have options. Retroactive Medicaid, COBRA, charity care, and billing advocates can help reduce expenses.
Insurance Basics
Employer Changing Health Insurance Plans: Your Rights
When employers change health insurance plans, federal law requires written notification. Learn what rights you have under ERISA and your options.
Insurance Basics
Can I Use My Health Insurance in Another State?
Health insurance coverage varies by plan type. PPO plans offer flexibility across states, while HMO and EPO plans are limited to specific networks.
Insurance Basics
What Is an ICHRA? How Individual Coverage HRAs Work for Employers and Employees
An ICHRA lets employers fund employees' individual health coverage tax-free. Here's how it works, what the affordability rules mean, and how to decide.
Insurance Basics
What Is an HSA
What a Health Savings Account (HSA) is, how contributions and withdrawals work, and who is eligible to open one.
Insurance Basics
How to Use Your HSA: A Plain-Language Guide to Health Savings Accounts
An HSA is one of the best financial tools available to people with high-deductible health plans — but most people don't know how to use it. Here's everything you need to know.
Appeals
How to Appeal a Denied Insurance Claim: A Step-by-Step Guide
A denied claim is not the final word. You have the legal right to appeal — and appeals often succeed. Here's exactly how to do it.
Billing & EOBs
What Is an Explanation of Benefits (EOB) and How Do You Read One?
An Explanation of Benefits is not a bill — but it tells you exactly what your insurance paid and what you owe. Here's how to read every line of it.