About Ethikos Insurance
Free, plain-English guides and videos on life insurance and health insurance for people under 65, so you can choose and use your coverage with confidence.
Why this site exists
Most people read their policy for the first time when a surprising bill arrives or a deadline is days away. I started Ethikos Insurance so you can understand your coverage before it matters, with the same plain-English explanations I share on YouTube.
How articles are written
- Official sources Researched from HealthCare.gov, CMS, the IRS and state insurance departments.
- Taught, not lectured Real-life examples and plain words, the way I explain it on YouTube.
- Kept current Every article shows when it was last updated and is revised when rules change.
- Honest about variation Where rules differ by state or insurer, the article says so.
Get in touch
Have a question you'd like answered in an article or video? Email [email protected].