Michael Thompson covers US health insurance for HealthCoachJP: marketplace and employer plans, small-business coverage, COBRA, liability policies for health practitioners, and the costs behind them. He works from KFF, CMS, IRS, DOL and NAIC data and dates every figure, because premiums, contribution caps and tax credits change annually. He is a writer, not a licensed insurance agent or tax advisor, and his articles are not personalized financial advice.