INSIGHTS

Most people guess at their coverage number instead of actually calculating it — here's how to figure out what you really need, why term usually beats permanent for most families, and why relying on your employer's policy alone can leave a dangerous gap.

A clear breakdown of how life insurance works in California — the difference between term, whole, and universal life, how much coverage you actually need, what drives your rate, and the most common mistakes people make before finally getting covered.

Not sure whether to offer health insurance through Covered California for Small Business (CCSB), CalChoice, or directly through a carrier? This guide breaks down the pros, cons, and key differences to help California small businesses choose the best option for their team.

California residents who missed the January 31, 2026 open enrollment deadline may still qualify for coverage through a disaster-related Special Enrollment Period. Learn who qualifies, key deadlines by location, and how to enroll through Covered California before your window closes.