State Guides
State Prescription Assistance Programs
State programs pay for prescription costs Medicare and insurance leave behind, with eligibility and benefits varying by state.
October 26, 2026
State Guides
State-by-state patient protections: charity care mandates, medical debt laws, surprise billing rules and where to complain in each state.
State Guides
State High-Risk Pool Programs
Most state high-risk pools have closed since the ACA banned pre-existing condition exclusions; only five states maintain them today.
October 20, 2026
State Guides
State Basic Health Programs
Four states and DC offer low-cost basic health plans for income-ineligible residents, with premiums as low as $0 per month in some programs.
October 16, 2026
State Guides
State Marketplace Subsidy Differences
Ten states offer marketplace subsidies up to $250 million for 2026; most residents must pay full sticker price or go uninsured.
October 16, 2026
State Guides
State CHIP Coverage Differences
CHIP income limits, program structures, and benefits vary by state—making your location determine your child's eligibility and coverage.
October 13, 2026
State Guides
State Medicaid Estate Recovery Rules
State Medicaid programs can pursue your estate after death, but protections for your home and hardship waivers exist—and vary by state.
October 10, 2026
State Guides
State Medicaid Retroactive Coverage Rules
Retroactive Medicaid coverage varies by state and will shrink federally on January 1, 2027—applying before year-end may extend your protection.
October 6, 2026
State Guides
State Ombudsman Programs for Patients
State ombudsmen investigate complaints about long-term care facilities free of charge, but they handle resident safety and rights—not hospital bills or insurance appeals.
October 4, 2026
State Guides
State Consumer Assistance Programs for Insurance
State programs recover millions for consumers in insurance disputes at no cost—find your state's contact information and file a complaint.
October 4, 2026
State Guides
State External Review Rights
Get an independent expert to overturn your insurance denial—no cost, legally binding, decision in as little as 4 days.
September 30, 2026
State Guides
State Insurance Department Complaint Processes
State insurance departments investigate claim denials and delays at no cost and typically resolve disputes in 30-60 days without requiring a lawyer.
September 29, 2026
State Guides
State Cost Estimator Tools for Patients
Free state and federal tools let patients search procedure costs and estimate out-of-pocket expenses based on insurance claims data.
September 28, 2026