Mike is the founder of TheInsurance.Guide, where he builds free, plain-English tools that help Americans compare health plans, estimate their ACA subsidies, and navigate open enrollment, COBRA, and HSAs. He started the site after watching friends and family overpay for coverage simply because the options were so confusing. He writes to make health-insurance decisions less intimidating — no jargon, no sales pitch, just clear guidance on the trade-offs that matter.