Health insurance helps to reduce medical costs, making health care more affordable and thus more accessible. Having health insurance also facilitates access to care, resulting in lower death rates and ...

Les Masterson is a deputy editor and insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, ...

Penny Gusner is a senior insurance writer and analyst at Forbes Advisor. For more than 20 years, she has been helping consumers learn how insurance laws, data, trends, and coverages affect them. Penny ...

Kaiser Permanente is the largest private nonprofit health care company in the country, and it offers affordable, quality health care. Its bronze plans on the ACA Marketplace have the cheapest average ...