Ben Halvorsen

Strength and conditioning coach, and our resident sceptic on anything sold with a before-and-after photo. Writes the programs he has actually run with beginners, not the ones that look impressive on paper.

724 articles

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Health Insurance and Costs Why Out-of-Pocket Maximum Matters, Explained Simply

Ben Halvorsen

1 year ago

4 min read

It is the number that protects you in a bad year, so it tells you more about your worst-case costs than the premium does. Key takeaways What counts to...

Health Insurance and Costs A Working Checklist for Out-of-Pocket Maximum

Ben Halvorsen

1 year ago

4 min read

The most you have to pay for covered, in-network services in a plan year, after which your plan pays 100 percent of covered costs. It is the number th...

Health Insurance and Costs Out-of-Pocket Maximum: Common Myths and What Guidelines Say

Ben Halvorsen

1 year ago

4 min read

It is the number that protects you in a bad year, so it tells you more about your worst-case costs than the premium does. Key takeaways What counts to...

Health Insurance and Costs Starting Out With Out-of-Pocket Maximum

Ben Halvorsen

1 year ago

4 min read

The most you have to pay for covered, in-network services in a plan year, after which your plan pays 100 percent of covered costs. Key takeaways What...

Health Insurance and Costs Answers to the Common Questions on Out-of-Pocket Maximum

Ben Halvorsen

1 year ago

5 min read

The most you have to pay for covered, in-network services in a plan year, after which your plan pays 100 percent of covered costs. Key takeaways What...

Health Insurance and Costs Out-of-Pocket Maximum: The Quick Reference

Ben Halvorsen

1 year ago

3 min read

The most you have to pay for covered, in-network services in a plan year, after which your plan pays 100 percent of covered costs. Key takeaways What...

Health Insurance and Costs The Evidence on HSAs and FSAs, Without the Hype

Ben Halvorsen

2 years ago

10 min read

Used well, they lower the real cost of care, but the rules differ and FSA money can be lost if it is not spent in time. Key takeaways HSA eligibility:...

Health Insurance and Costs HSAs and FSAs, Explained Without the Jargon

Ben Halvorsen

2 years ago

4 min read

Used well, they lower the real cost of care, but the rules differ and FSA money can be lost if it is not spent in time. Key takeaways HSA eligibility:...

Health Insurance and Costs HSAs and FSAs: What to Do, in Order

Ben Halvorsen

2 years ago

4 min read

Tax-advantaged accounts that let you set aside money for medical costs: a Health Savings Account (HSA) or a Flexible Spending Account (FSA). Used well...

Health Insurance and Costs Myths About HSAs and FSAs, Checked Against the Guidance

Ben Halvorsen

2 years ago

4 min read

Used well, they lower the real cost of care, but the rules differ and FSA money can be lost if it is not spent in time. Key takeaways HSA eligibility:...

Health Insurance and Costs Starting Out With HSAs and FSAs

Ben Halvorsen

2 years ago

4 min read

Tax-advantaged accounts that let you set aside money for medical costs: a Health Savings Account (HSA) or a Flexible Spending Account (FSA). Key takea...

Health Insurance and Costs A Q and A on HSAs and FSAs

Ben Halvorsen

2 years ago

5 min read

Tax-advantaged accounts that let you set aside money for medical costs: a Health Savings Account (HSA) or a Flexible Spending Account (FSA). Key takea...

Health Insurance and Costs HSAs and FSAs at a Glance

Ben Halvorsen

2 years ago

3 min read

Tax-advantaged accounts that let you set aside money for medical costs: a Health Savings Account (HSA) or a Flexible Spending Account (FSA). Key takea...

Medicare and Medicaid The Evidence on Medicare Advantage Plans, Without the Hype

Ben Halvorsen

2 years ago

12 min read

They can cost less up front and add extra benefits, but networks and prior authorization rules can limit where and how you get care. Key takeaways Als...

Medicare and Medicaid Medicare Advantage Plans, Explained Without the Jargon

Ben Halvorsen

2 years ago

4 min read

They can cost less up front and add extra benefits, but networks and prior authorization rules can limit where and how you get care. Key takeaways Als...

About Us

Free Get Health Tips is a free health library for people in the United States. Every article is written in plain English and built on named public guidance from the CDC, NIH, FDA and USPSTF, so you can see where each figure comes from, and every one tells you when it is time to see a doctor instead. We never publish sponsored health claims, and no article recommends a product because we sell it. Read it in English, Español, বাংলা, العربية or 中文.