NerdWallet’s life insurance content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in life insurance. We follow strict editorial guidelines to ensure the content on our site is accurate and fair so you can make financial decisions with confidence and choose the products that work best for you.About Fidelity Investments Life InsuranceFidelity Investments Life Insurance is a subsidiary of the same parent company that runs the financial services firm Fidelity Investments. Currently, Fidelity Investments Life Insurance offers term life insurance policies in all states except New York.Note: Fidelity Investments Life Insurance is not…

President Donald Trump signed his “big, beautiful bill” into law on July 4, making changes to health insurance coverage for millions of Americans.If you have a marketplace health insurance plan, sometimes also known as Obamacare or Affordable Care Act (ACA) plans, your premiums might go up, and you might need to do more work to stay eligible.Here are a few key changes to marketplace health insurance in the new law — plus one thing that went unaddressed — and what to do about them.1. Premiums might get much pricierHow it works now: Premium tax credits help taxpayers afford marketplace health…

Variable universal life insurance is a permanent policy with a flexible death benefit and premiums.VUL policies allow you to allocate cash value into subaccounts, and then to invest that cash value in stocks, bonds or money market funds.Because you could lose money, a VUL policy is best suited for those with a moderate risk tolerance.Variable universal life insurance (VUL) is a life insurance policy with a cash value component that earns interest over time. VUL is appealing to some people because both the premiums and death benefits are adjustable. These policies offer high potential growth and flexibility. But because they’re…

The lowest-cost marketplace health insurance plan on the Obamacare health insurance marketplace costs an average of $479 per month in 2025, according to the Centers for Medicare & Medicaid Services (CMS)[0]. After tax credits, it’s $37 per month, on average.Premiums can vary significantly based on company, plan type and metal level (Bronze, Silver, Gold or Platinum), plus your age, tobacco use, family size, location, income and more.How much does marketplace health insurance cost per month?Marketplace health insurance plans, sometimes referred to as Obamacare plans or ACA plans, can be purchased by individuals and families on HealthCare.gov and state health insurance…

How we choose the best health insurance companies👋 I’m Alex Rosenberg, a lead writer and content strategist covering health insurance. I built NerdWallet’s health insurance rubric and did the research for this page to find the best health insurance options in the state. I gathered and analyzed data across four major categories:Plans with lower costs, such as premiums, deductibles, copays, coinsurance and out-of-pocket maximums, score the best.We evaluate plans’ costs using marketplace health plan datasets. These enormous spreadsheets include as many as 149 discrete data points for over 100,000 plan offerings in 31 states that use the federal marketplace (other…

Marketplace health insurance ratings methodologyNerdWallet evaluates marketplace health insurance plans based on marketplace data about plans’ premiums, out-of-pocket costs and benefits, prescription drug coverage, dental coverage, government quality rating data, complaint data, records about how plans approve and deny claims and more.We evaluate individual plans and then aggregate scores to the company level. When a plan is missing data for a certain metric, we exclude it from calculations. For example, the federal government calculates official star ratings for marketplace health insurance plans, but many plans are unrated, and others have incomplete ratings. NerdWallet’s analysis incorporates government quality ratings when they’re…

Marketplace health insurance ratings methodologyNerdWallet evaluates marketplace health insurance plans based on marketplace data about plans’ premiums, out-of-pocket costs and benefits, prescription drug coverage, dental coverage, government quality rating data, complaint data, records about how plans approve and deny claims and more.We evaluate individual plans and then aggregate scores to the company level. When a plan is missing data for a certain metric, we exclude it from calculations. For example, the federal government calculates official star ratings for marketplace health insurance plans, but many plans are unrated, and others have incomplete ratings. NerdWallet’s analysis incorporates government quality ratings when they’re…

Marketplace health insurance ratings methodologyNerdWallet evaluates marketplace health insurance plans based on marketplace data about plans’ premiums, out-of-pocket costs and benefits, prescription drug coverage, dental coverage, government quality rating data, complaint data, records about how plans approve and deny claims and more.We evaluate individual plans and then aggregate scores to the company level. When a plan is missing data for a certain metric, we exclude it from calculations. For example, the federal government calculates official star ratings for marketplace health insurance plans, but many plans are unrated, and others have incomplete ratings. NerdWallet’s analysis incorporates government quality ratings when they’re…

Marketplace health insurance ratings methodologyNerdWallet evaluates marketplace health insurance plans based on marketplace data about plans’ premiums, out-of-pocket costs and benefits, prescription drug coverage, dental coverage, government quality rating data, complaint data, records about how plans approve and deny claims and more.We evaluate individual plans and then aggregate scores to the company level. When a plan is missing data for a certain metric, we exclude it from calculations. For example, the federal government calculates official star ratings for marketplace health insurance plans, but many plans are unrated, and others have incomplete ratings. NerdWallet’s analysis incorporates government quality ratings when they’re…

Marketplace health insurance ratings methodologyNerdWallet evaluates marketplace health insurance plans based on marketplace data about plans’ premiums, out-of-pocket costs and benefits, prescription drug coverage, dental coverage, government quality rating data, complaint data, records about how plans approve and deny claims and more.We evaluate individual plans and then aggregate scores to the company level. When a plan is missing data for a certain metric, we exclude it from calculations. For example, the federal government calculates official star ratings for marketplace health insurance plans, but many plans are unrated, and others have incomplete ratings. NerdWallet’s analysis incorporates government quality ratings when they’re…