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    <title>National Health Underwriters — Insurance</title>
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    <description>Plans, coverage, underwriting logic, employer benefits, open enrollment — service journalism</description>
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      <title>Underwriting After the ACA: What Health Insurers Can and Cannot Price On</title>
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      <description><![CDATA[What health insurers can and cannot price on after the ACA: five rating factors, where medical underwriting persists, and SEP windows.]]></description>
      <pubDate>Sun, 26 Jul 2026 04:00:00 GMT</pubDate>
      <dc:creator>Renata Silva</dc:creator>
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      <title>Medicaid Expansion: Who Qualifies at 138 Percent of the Poverty Line — and Who Falls in the Gap</title>
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      <description><![CDATA[Who qualifies for expanded Medicaid at 138 percent of poverty, the coverage gap in holdout states, and how redeterminations drop people.]]></description>
      <pubDate>Tue, 07 Jul 2026 04:00:00 GMT</pubDate>
      <dc:creator>Renata Silva</dc:creator>
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      <title>How to Read an EOB: What Each Line of Your Explanation of Benefits Means</title>
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      <description><![CDATA[An EOB is not a bill. The five fields that matter — allowed amount, plan paid, patient responsibility, remark codes — and a five-minute audit.]]></description>
      <pubDate>Sun, 14 Jun 2026 04:00:00 GMT</pubDate>
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      <title>Claim Denied? How the Internal and External Appeal Process Actually Works</title>
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      <description><![CDATA[Claim denied? Internal appeal deadlines, evidence bundles, peer-to-peer reviews and independent external review, step by step.]]></description>
      <pubDate>Sat, 23 May 2026 04:00:00 GMT</pubDate>
      <dc:creator>Renata Silva</dc:creator>
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      <title>Prior Authorization Explained: Why Your Care Waits for Permission and How to Speed It Up</title>
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      <description><![CDATA[How prior authorization works in 2026: who files, the 72-hour and 7-day clocks, denial reasons, appeals, and keeping care from stalling.]]></description>
      <pubDate>Thu, 30 Apr 2026 04:00:00 GMT</pubDate>
      <dc:creator>Renata Silva</dc:creator>
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      <title>Medicare Advantage vs Medigap: The Two Roads After Original Medicare</title>
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      <description><![CDATA[Medicare Advantage vs Medigap compared: premiums, networks, guaranteed-issue windows and the switching trap at 65.]]></description>
      <pubDate>Tue, 07 Apr 2026 04:00:00 GMT</pubDate>
      <dc:creator>Renata Silva</dc:creator>
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      <title>Employer Open Enrollment: A Step-by-Step Method for Choosing the Right Plan</title>
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      <description><![CDATA[A step-by-step method for employer open enrollment: total-cost math, network checks, HSA and FSA elections, and deadline mechanics.]]></description>
      <pubDate>Mon, 16 Mar 2026 04:00:00 GMT</pubDate>
      <dc:creator>Renata Silva</dc:creator>
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      <title>HSA vs FSA: Which Health Spending Account Fits Your Budget and Tax Situation</title>
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      <description><![CDATA[HSA vs FSA compared: 2026 contribution limits, use-it-or-lose-it rules, carryover caps, and which account fits your household.]]></description>
      <pubDate>Sat, 21 Feb 2026 05:00:00 GMT</pubDate>
      <dc:creator>Renata Silva</dc:creator>
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      <title>Deductible vs Out-of-Pocket Maximum: The Two Numbers That Decide Your Bill</title>
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      <description><![CDATA[The deductible is where sharing starts; the out-of-pocket maximum is where it stops. Both 2026 limits, with a worked hospitalization example.]]></description>
      <pubDate>Thu, 29 Jan 2026 05:00:00 GMT</pubDate>
      <dc:creator>Renata Silva</dc:creator>
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      <title>ACA Metal Tiers Explained: What Bronze, Silver, Gold and Platinum Actually Measure</title>
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      <description><![CDATA[Metal tiers measure actuarial value, not quality. What Bronze to Platinum really cover, plus how cost-sharing reductions change the math.]]></description>
      <pubDate>Wed, 07 Jan 2026 05:00:00 GMT</pubDate>
      <dc:creator>Renata Silva</dc:creator>
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