What Is This Place?
Look, you've probably visited our professional blog and thought, "Wow, this is comprehensive and authoritative and... really, really dry." You're not wrong. That's intentional. We need to establish ourselves as the expert in the room.
But here's the thing: health insurance is objectively stupid and infuriating, and we're tired of pretending it isn't. So Dude's Corner is where we tell you what we're really thinking while you're stressing about deductibles and subsidy cliffs.
Everything you read here is factually accurate. We're just not wearing pants while we explain it.
Current Posts
The Subsidy Cliff (Dude's Take)
Want to understand why making an extra $2,000 might cost you $5,000 in subsidies? Buckle up, because the ACA's subsidy cliff is basically a financial bear trap disguised as tax policy.
Topics covered: The complete absurdity of the 400% FPL threshold, how income timing can save you thousands, and why "Modified Adjusted Gross Income" is the most annoyingly vague concept in insurance.
Read the Unfiltered Version →UnitedHealthcare Health Protector Guard (Dude's Take)
Ever heard of buying health insurance that doesn't actually pay for health? Welcome to fixed-indemnity coverage, where the insurance company gives you cash and then hopes you don't ask too many questions.
Topics covered: Why fixed-indemnity plans are both kinda genius and kinda useless, the real reasons you actually need major medical coverage, and whether this product is right for your situation (spoiler: maybe).
Read the Unfiltered Version →Why This Exists
Health insurance is designed by actuaries, written in legalese, and sold by commission-driven brokers. The result? Information that's technically correct but emotionally dishonest.
We wanted a space where we could say:
- "Yeah, you read that right—you could lose your subsidy because you got a bonus at work."
- "No, a fixed-indemnity plan won't save you when you actually get sick."
- "Insurance companies really DO profit by confusing you."
- "Your deductible is probably higher than your mortgage payment, and that's not a coincidence."
That's Dude's Corner. All the facts. None of the BS.