Advertiser disclosure

Can you get life insurance if you smoke weed?

Marijuana use will not automatically exclude you from buying life insurance, but policies vary widely by company. Here’s what to know about how recreational or medical cannabis use affects your ability to get life insurance.

How to pick a health savings account

A Health Savings Account can help you cover out-of-pocket healthcare costs if you have a high-deductible plan. Learn how to choose the best HSA for your needs.

Life insurance: What it is and why you need it

Before you purchase life insurance, here’s what you need to know, including what policies are available, how premiums are calculated, how claims work, and where to shop for life insurance policies.

Understanding your health insurance

A premium is what you pay to maintain coverage; deductible is the amount you pay for treatment before the insurance company covers remaining expenses; copay is for routine medical services; and out-of-pocket maximum limits the total amount you pay each year for health care.

How to choose health insurance

When choosing health insurance you need to: 1. Decide whether to buy through your employer or state’s Marketplace. 2. Compare the plans available to you. 3. Consider the out-of-pocket costs associated with your shortlist of plans.