Insurance & Health Articles
Life and disability coverage, HSA, FSA, deductibles and long-term care. Read 10 guides, then run your own numbers with the matching calculators.
How Much Life Insurance Do You Need? The DIME Method and Beyond
Calculate life insurance coverage using the DIME method and income-replacement rules, and learn when a policy is…
Insurance & HealthTerm vs Whole Life Insurance
Compare term and whole life insurance on cost, cash value and who should buy each, with the…
Insurance & HealthThe Complete HSA Guide
How Health Savings Accounts work: eligibility, 2026 contribution limits, investing and using an HSA as a retirement…
Insurance & HealthFSA vs HSA
Compare FSAs and HSAs on eligibility, rollover, portability and tax treatment to choose the right account.
Insurance & HealthHow to Choose a Health Insurance Plan
Understand deductibles, copays, coinsurance and out-of-pocket maximums, and how to compare plan types using total…
Insurance & HealthDisability Insurance Explained
Why your ability to earn matters, how short- and long-term disability work and what to look for in a policy.
Insurance & HealthLong-Term Care Planning
What long-term care costs, what Medicare and Medicaid cover and options such as traditional LTC insurance, hybrid…
Insurance & HealthHomeowners vs Renters Insurance
Learn the differences between homeowners, renters and landlord insurance, key coverages and how to choose limits.
Insurance & HealthAuto Insurance
How liability, collision, comprehensive and uninsured motorist coverage work, and how to choose deductibles that…
Insurance & HealthUmbrella Insurance Explained
What umbrella insurance covers, who needs it and how much it typically costs for $1 million and higher limits.
Insurance & Health calculators
All calculators →Life Insurance Needs
Coverage amount using the DIME method
Insurance & HealthDisability Insurance Needs
Monthly benefit to protect your income
Insurance & HealthHSA
Tax savings and long-term HSA growth
Insurance & HealthFSA Savings
Tax savings and forfeiture risk
Insurance & HealthHDHP vs PPO Health Plan
Which health plan costs less at your usage
Insurance & HealthInsurance Deductible Break-Even
Is a higher deductible worth the premium savings
Insurance & HealthLong-Term Care Cost
Future cost of nursing and home care
Insurance & HealthTerm vs Whole Life Insurance
Buy term and invest the difference