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                "title": "Health Insurance Explained Before You Buy",
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                "title": "ACA Health Insurance: How the Marketplace Works",
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                "description": "A clear comparison of HMO and PPO health plans, covering referrals, networks, cost tradeoffs, and which type tends to suit different needs.",
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                "title": "Health Insurance Basics: How Coverage Actually Works",
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                "updated_at": "2026-07-01",
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                "title": "Small Business Health Insurance: A Starter Guide",
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                "description": "An introduction to small business health coverage options, including SHOP and group plans, ICHRA and QSEHRA alternatives, and why offering coverage matters.",
                "updated_at": "2026-07-01",
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                "title": "What to Know Before Getting a Health Insurance Quote",
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                "url": "https://www.onlinehealthins.com/health-insurance-quote-checklist/",
                "description": "A practical checklist of what to gather before requesting a health insurance quote, so the process is faster and the options you see actually fit you.",
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            {
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                "description": "A fixed dollar amount you pay for a specific covered service, like a doctor visit or prescription, regardless of the service's actual cost.",
                "updated_at": "2026-07-01",
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                "updated_at": "2026-07-01",
                "source": "content/glossary-terms/deductible.json"
            },
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                "title": "EPO (Exclusive Provider Organization)",
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                "updated_at": "2026-07-01",
                "source": "content/glossary-terms/epo.json"
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            {
                "title": "Explanation of Benefits (EOB)",
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                "url": "https://www.onlinehealthins.com/glossary/eob/",
                "description": "A statement your health plan sends after a claim is processed, showing what was billed, what the plan paid, and what you may owe.",
                "updated_at": "2026-07-01",
                "source": "content/glossary-terms/eob.json"
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                "title": "HMO (Health Maintenance Organization)",
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                "updated_at": "2026-07-01",
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            {
                "title": "HSA (Health Savings Account)",
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                "updated_at": "2026-07-01",
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                "description": "A joint federal and state health coverage program for people with low income, run differently in each state within federal guidelines.",
                "updated_at": "2026-07-01",
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                "description": "The part of Medicare that covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health care.",
                "updated_at": "2026-07-01",
                "source": "content/glossary-terms/medicare-part-a.json"
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                "title": "Medicare Part B",
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                "url": "https://www.onlinehealthins.com/glossary/medicare-part-b/",
                "description": "The part of Medicare that covers outpatient care, doctor visits, preventive services, and medical equipment, and typically requires a monthly premium.",
                "updated_at": "2026-07-01",
                "source": "content/glossary-terms/medicare-part-b.json"
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            {
                "title": "Medicare Part C (Medicare Advantage)",
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                "url": "https://www.onlinehealthins.com/glossary/medicare-part-c/",
                "description": "An alternative way to get Medicare benefits through a private insurance company, often bundling Part A, Part B, and usually Part D, plus extra benefits.",
                "updated_at": "2026-07-01",
                "source": "content/glossary-terms/medicare-part-c.json"
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            {
                "title": "Medicare Part D",
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                "url": "https://www.onlinehealthins.com/glossary/medicare-part-d/",
                "description": "The part of Medicare that covers outpatient prescription drugs through private plans that contract with Medicare.",
                "updated_at": "2026-07-01",
                "source": "content/glossary-terms/medicare-part-d.json"
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            {
                "title": "Network (In-Network / Out-of-Network)",
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                "url": "https://www.onlinehealthins.com/glossary/network/",
                "description": "The group of doctors, hospitals, and other providers that have agreed to accept a health plan's negotiated rates; using providers outside that group usually costs more.",
                "updated_at": "2026-07-01",
                "source": "content/glossary-terms/network.json"
            },
            {
                "title": "Open Enrollment Period",
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                "url": "https://www.onlinehealthins.com/glossary/open-enrollment-period/",
                "description": "The yearly window during which you can enroll in or change health insurance coverage without needing a qualifying life event.",
                "updated_at": "2026-07-01",
                "source": "content/glossary-terms/open-enrollment-period.json"
            },
            {
                "title": "Out-of-Pocket Maximum",
                "slug": "out-of-pocket-maximum",
                "url": "https://www.onlinehealthins.com/glossary/out-of-pocket-maximum/",
                "description": "The most you'll have to pay in a plan year for covered services before your health insurance starts paying 100% of covered costs.",
                "updated_at": "2026-07-01",
                "source": "content/glossary-terms/out-of-pocket-maximum.json"
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            {
                "title": "POS (Point of Service) Plan",
                "slug": "pos-plan",
                "url": "https://www.onlinehealthins.com/glossary/pos-plan/",
                "description": "A hybrid health plan that requires a primary care physician and referrals like an HMO, but still allows out-of-network care at a higher cost like a PPO.",
                "updated_at": "2026-07-01",
                "source": "content/glossary-terms/pos-plan.json"
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            {
                "title": "PPO (Preferred Provider Organization)",
                "slug": "ppo",
                "url": "https://www.onlinehealthins.com/glossary/ppo/",
                "description": "A health plan that gives you a network of preferred providers for the lowest cost, but still lets you see out-of-network providers and specialists without a referral.",
                "updated_at": "2026-07-01",
                "source": "content/glossary-terms/ppo.json"
            },
            {
                "title": "Premium",
                "slug": "premium",
                "url": "https://www.onlinehealthins.com/glossary/premium/",
                "description": "The amount you pay, usually monthly, just to keep your health insurance coverage active, regardless of whether you use any care.",
                "updated_at": "2026-07-01",
                "source": "content/glossary-terms/premium.json"
            }
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                "title": "Health Insurance Glossary",
                "slug": "main",
                "url": "https://www.onlinehealthins.com/glossary/",
                "description": "Plain-language definitions for the health insurance terms you'll run into while comparing plans, from premiums and deductibles to ACA marketplace and Medicare terminology.",
                "source": "content/glossary/main.json"
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                "description": "Alabama residents shop for ACA coverage through HealthCare.gov; the state has not expanded Medicaid, which leaves a coverage gap for some low-income adults.",
                "updated_at": "2026-07-01",
                "source": "content/directory/listings/alabama.json"
            },
            {
                "title": "alaska",
                "slug": "alaska",
                "url": "https://www.onlinehealthins.com/directory/alaska/",
                "description": "Alaska residents enroll through HealthCare.gov, and the state has expanded Medicaid, giving more low-income adults a coverage path.",
                "updated_at": "2026-07-01",
                "source": "content/directory/listings/alaska.json"
            },
            {
                "title": "arizona",
                "slug": "arizona",
                "url": "https://www.onlinehealthins.com/directory/arizona/",
                "description": "Arizona uses HealthCare.gov for marketplace coverage and has expanded Medicaid, widening the safety net for lower-income residents.",
                "updated_at": "2026-07-01",
                "source": "content/directory/listings/arizona.json"
            },
            {
                "title": "arkansas",
                "slug": "arkansas",
                "url": "https://www.onlinehealthins.com/directory/arkansas/",
                "description": "Arkansas residents use HealthCare.gov to enroll, and the state has expanded Medicaid through its own program design.",
                "updated_at": "2026-07-01",
                "source": "content/directory/listings/arkansas.json"
            },
            {
                "title": "california",
                "slug": "california",
                "url": "https://www.onlinehealthins.com/directory/california/",
                "description": "California runs its own marketplace, Covered California, and has expanded Medicaid through Medi-Cal, giving residents broad coverage options.",
                "updated_at": "2026-07-01",
                "source": "content/directory/listings/california.json"
            },
            {
                "title": "colorado",
                "slug": "colorado",
                "url": "https://www.onlinehealthins.com/directory/colorado/",
                "description": "Colorado operates its own marketplace, Connect for Health Colorado, and has expanded Medicaid to cover more low-income adults.",
                "updated_at": "2026-07-01",
                "source": "content/directory/listings/colorado.json"
            },
            {
                "title": "connecticut",
                "slug": "connecticut",
                "url": "https://www.onlinehealthins.com/directory/connecticut/",
                "description": "Connecticut runs its own exchange, Access Health CT, and has expanded Medicaid to cover more low-income residents.",
                "updated_at": "2026-07-01",
                "source": "content/directory/listings/connecticut.json"
            },
            {
                "title": "delaware",
                "slug": "delaware",
                "url": "https://www.onlinehealthins.com/directory/delaware/",
                "description": "Delaware residents use HealthCare.gov for marketplace coverage, and the state has expanded Medicaid.",
                "updated_at": "2026-07-01",
                "source": "content/directory/listings/delaware.json"
            },
            {
                "title": "florida",
                "slug": "florida",
                "url": "https://www.onlinehealthins.com/directory/florida/",
                "description": "Florida has some of the highest ACA marketplace enrollment in the country through HealthCare.gov, but the state has not expanded Medicaid.",
                "updated_at": "2026-07-01",
                "source": "content/directory/listings/florida.json"
            },
            {
                "title": "georgia",
                "slug": "georgia",
                "url": "https://www.onlinehealthins.com/directory/georgia/",
                "description": "Georgia runs its own marketplace, Georgia Access, and offers a limited Medicaid work-requirement program instead of full ACA expansion.",
                "updated_at": "2026-07-01",
                "source": "content/directory/listings/georgia.json"
            },
            {
                "title": "hawaii",
                "slug": "hawaii",
                "url": "https://www.onlinehealthins.com/directory/hawaii/",
                "description": "Hawaii residents use HealthCare.gov for marketplace coverage, and the state has expanded Medicaid alongside its long-standing employer coverage law.",
                "updated_at": "2026-07-01",
                "source": "content/directory/listings/hawaii.json"
            },
            {
                "title": "idaho",
                "slug": "idaho",
                "url": "https://www.onlinehealthins.com/directory/idaho/",
                "description": "Idaho runs its own marketplace, Your Health Idaho, and has expanded Medicaid to cover more low-income adults.",
                "updated_at": "2026-07-01",
                "source": "content/directory/listings/idaho.json"
            },
            {
                "title": "illinois",
                "slug": "illinois",
                "url": "https://www.onlinehealthins.com/directory/illinois/",
                "description": "Illinois runs its own marketplace, Get Covered Illinois, and has expanded Medicaid to cover more low-income residents.",
                "updated_at": "2026-07-01",
                "source": "content/directory/listings/illinois.json"
            },
            {
                "title": "indiana",
                "slug": "indiana",
                "url": "https://www.onlinehealthins.com/directory/indiana/",
                "description": "Indiana residents use HealthCare.gov for marketplace plans, and the state has expanded Medicaid through its own program design.",
                "updated_at": "2026-07-01",
                "source": "content/directory/listings/indiana.json"
            },
            {
                "title": "iowa",
                "slug": "iowa",
                "url": "https://www.onlinehealthins.com/directory/iowa/",
                "description": "Iowa residents enroll through HealthCare.gov, and the state has expanded Medicaid to cover more low-income adults.",
                "updated_at": "2026-07-01",
                "source": "content/directory/listings/iowa.json"
            },
            {
                "title": "kansas",
                "slug": "kansas",
                "url": "https://www.onlinehealthins.com/directory/kansas/",
                "description": "Kansas residents use HealthCare.gov for marketplace coverage, and the state has not expanded Medicaid, leaving a coverage gap for some low-income adults.",
                "updated_at": "2026-07-01",
                "source": "content/directory/listings/kansas.json"
            },
            {
                "title": "kentucky",
                "slug": "kentucky",
                "url": "https://www.onlinehealthins.com/directory/kentucky/",
                "description": "Kentucky runs its own marketplace, Kynect, and has expanded Medicaid to cover more low-income residents.",
                "updated_at": "2026-07-01",
                "source": "content/directory/listings/kentucky.json"
            },
            {
                "title": "louisiana",
                "slug": "louisiana",
                "url": "https://www.onlinehealthins.com/directory/louisiana/",
                "description": "Louisiana residents use HealthCare.gov for marketplace plans, and the state has expanded Medicaid to cover more low-income adults.",
                "updated_at": "2026-07-01",
                "source": "content/directory/listings/louisiana.json"
            },
            {
                "title": "maine",
                "slug": "maine",
                "url": "https://www.onlinehealthins.com/directory/maine/",
                "description": "Maine runs its own marketplace, CoverME.gov, and has expanded Medicaid to cover more low-income residents.",
                "updated_at": "2026-07-01",
                "source": "content/directory/listings/maine.json"
            },
            {
                "title": "maryland",
                "slug": "maryland",
                "url": "https://www.onlinehealthins.com/directory/maryland/",
                "description": "Maryland runs its own marketplace, Maryland Health Connection, and has expanded Medicaid to cover more low-income residents.",
                "updated_at": "2026-07-01",
                "source": "content/directory/listings/maryland.json"
            },
            {
                "title": "massachusetts",
                "slug": "massachusetts",
                "url": "https://www.onlinehealthins.com/directory/massachusetts/",
                "description": "Massachusetts runs its own long-standing marketplace, the Health Connector, and has expanded Medicaid, building on the state's early individual mandate model.",
                "updated_at": "2026-07-01",
                "source": "content/directory/listings/massachusetts.json"
            },
            {
                "title": "michigan",
                "slug": "michigan",
                "url": "https://www.onlinehealthins.com/directory/michigan/",
                "description": "Michigan residents use HealthCare.gov for marketplace plans, and the state has expanded Medicaid to cover more low-income adults.",
                "updated_at": "2026-07-01",
                "source": "content/directory/listings/michigan.json"
            },
            {
                "title": "minnesota",
                "slug": "minnesota",
                "url": "https://www.onlinehealthins.com/directory/minnesota/",
                "description": "Minnesota runs its own marketplace, MNsure, and has expanded Medicaid alongside a distinctive Basic Health Program for near-poverty residents.",
                "updated_at": "2026-07-01",
                "source": "content/directory/listings/minnesota.json"
            },
            {
                "title": "mississippi",
                "slug": "mississippi",
                "url": "https://www.onlinehealthins.com/directory/mississippi/",
                "description": "Mississippi residents use HealthCare.gov for marketplace coverage, and the state has not expanded Medicaid, leaving a coverage gap for some low-income adults.",
                "updated_at": "2026-07-01",
                "source": "content/directory/listings/mississippi.json"
            },
            {
                "title": "missouri",
                "slug": "missouri",
                "url": "https://www.onlinehealthins.com/directory/missouri/",
                "description": "Missouri residents use HealthCare.gov for marketplace plans, and the state has expanded Medicaid following a voter-approved ballot measure.",
                "updated_at": "2026-07-01",
                "source": "content/directory/listings/missouri.json"
            },
            {
                "title": "montana",
                "slug": "montana",
                "url": "https://www.onlinehealthins.com/directory/montana/",
                "description": "Montana residents use HealthCare.gov for marketplace plans, and the state has expanded Medicaid to cover more low-income adults.",
                "updated_at": "2026-07-01",
                "source": "content/directory/listings/montana.json"
            },
            {
                "title": "nebraska",
                "slug": "nebraska",
                "url": "https://www.onlinehealthins.com/directory/nebraska/",
                "description": "Nebraska residents use HealthCare.gov for marketplace plans, and the state has expanded Medicaid following a voter-approved measure.",
                "updated_at": "2026-07-01",
                "source": "content/directory/listings/nebraska.json"
            },
            {
                "title": "nevada",
                "slug": "nevada",
                "url": "https://www.onlinehealthins.com/directory/nevada/",
                "description": "Nevada runs its own marketplace, Nevada Health Link, and has expanded Medicaid to cover more low-income residents.",
                "updated_at": "2026-07-01",
                "source": "content/directory/listings/nevada.json"
            },
            {
                "title": "new-hampshire",
                "slug": "new-hampshire",
                "url": "https://www.onlinehealthins.com/directory/new-hampshire/",
                "description": "New Hampshire residents use HealthCare.gov for marketplace plans, and the state has expanded Medicaid to cover more low-income adults.",
                "updated_at": "2026-07-01",
                "source": "content/directory/listings/new-hampshire.json"
            },
            {
                "title": "new-jersey",
                "slug": "new-jersey",
                "url": "https://www.onlinehealthins.com/directory/new-jersey/",
                "description": "New Jersey runs its own marketplace, Get Covered New Jersey, and has expanded Medicaid, plus offers its own state-funded subsidies.",
                "updated_at": "2026-07-01",
                "source": "content/directory/listings/new-jersey.json"
            },
            {
                "title": "new-mexico",
                "slug": "new-mexico",
                "url": "https://www.onlinehealthins.com/directory/new-mexico/",
                "description": "New Mexico runs its own marketplace, beWellnm, and has expanded Medicaid to cover more low-income residents.",
                "updated_at": "2026-07-01",
                "source": "content/directory/listings/new-mexico.json"
            },
            {
                "title": "new-york",
                "slug": "new-york",
                "url": "https://www.onlinehealthins.com/directory/new-york/",
                "description": "New York runs its own marketplace, NY State of Health, and has expanded Medicaid alongside additional state coverage programs.",
                "updated_at": "2026-07-01",
                "source": "content/directory/listings/new-york.json"
            },
            {
                "title": "north-carolina",
                "slug": "north-carolina",
                "url": "https://www.onlinehealthins.com/directory/north-carolina/",
                "description": "North Carolina residents use HealthCare.gov for marketplace plans, and the state has expanded Medicaid to cover more low-income adults.",
                "updated_at": "2026-07-01",
                "source": "content/directory/listings/north-carolina.json"
            },
            {
                "title": "north-dakota",
                "slug": "north-dakota",
                "url": "https://www.onlinehealthins.com/directory/north-dakota/",
                "description": "North Dakota residents use HealthCare.gov for marketplace plans, and the state has expanded Medicaid to cover more low-income adults.",
                "updated_at": "2026-07-01",
                "source": "content/directory/listings/north-dakota.json"
            },
            {
                "title": "ohio",
                "slug": "ohio",
                "url": "https://www.onlinehealthins.com/directory/ohio/",
                "description": "Ohio residents use HealthCare.gov for marketplace plans, and the state has expanded Medicaid to cover more low-income adults.",
                "updated_at": "2026-07-01",
                "source": "content/directory/listings/ohio.json"
            },
            {
                "title": "oklahoma",
                "slug": "oklahoma",
                "url": "https://www.onlinehealthins.com/directory/oklahoma/",
                "description": "Oklahoma residents use HealthCare.gov for marketplace plans, and the state has expanded Medicaid following a voter-approved ballot measure.",
                "updated_at": "2026-07-01",
                "source": "content/directory/listings/oklahoma.json"
            },
            {
                "title": "oregon",
                "slug": "oregon",
                "url": "https://www.onlinehealthins.com/directory/oregon/",
                "description": "Oregon uses a state-based marketplace that currently runs on the federal enrollment platform, with a shift to a fully state-run exchange planned for the 2027 plan year.",
                "updated_at": "2026-07-01",
                "source": "content/directory/listings/oregon.json"
            },
            {
                "title": "pennsylvania",
                "slug": "pennsylvania",
                "url": "https://www.onlinehealthins.com/directory/pennsylvania/",
                "description": "Pennsylvania runs its own marketplace, Pennie, and has expanded Medicaid to cover more low-income residents.",
                "updated_at": "2026-07-01",
                "source": "content/directory/listings/pennsylvania.json"
            },
            {
                "title": "rhode-island",
                "slug": "rhode-island",
                "url": "https://www.onlinehealthins.com/directory/rhode-island/",
                "description": "Rhode Island runs its own marketplace, HealthSource RI, and has expanded Medicaid to cover more low-income residents.",
                "updated_at": "2026-07-01",
                "source": "content/directory/listings/rhode-island.json"
            },
            {
                "title": "south-carolina",
                "slug": "south-carolina",
                "url": "https://www.onlinehealthins.com/directory/south-carolina/",
                "description": "South Carolina residents use HealthCare.gov for marketplace coverage, and the state has not expanded Medicaid, leaving a coverage gap for some low-income adults.",
                "updated_at": "2026-07-01",
                "source": "content/directory/listings/south-carolina.json"
            },
            {
                "title": "south-dakota",
                "slug": "south-dakota",
                "url": "https://www.onlinehealthins.com/directory/south-dakota/",
                "description": "South Dakota residents use HealthCare.gov for marketplace plans, and the state has expanded Medicaid following a voter-approved measure.",
                "updated_at": "2026-07-01",
                "source": "content/directory/listings/south-dakota.json"
            },
            {
                "title": "tennessee",
                "slug": "tennessee",
                "url": "https://www.onlinehealthins.com/directory/tennessee/",
                "description": "Tennessee residents use HealthCare.gov for marketplace coverage, and the state has not expanded Medicaid, leaving a coverage gap for some low-income adults.",
                "updated_at": "2026-07-01",
                "source": "content/directory/listings/tennessee.json"
            },
            {
                "title": "texas",
                "slug": "texas",
                "url": "https://www.onlinehealthins.com/directory/texas/",
                "description": "Texas has the largest number of ACA marketplace enrollees of any state, all through HealthCare.gov, but the state has not expanded Medicaid.",
                "updated_at": "2026-07-01",
                "source": "content/directory/listings/texas.json"
            },
            {
                "title": "utah",
                "slug": "utah",
                "url": "https://www.onlinehealthins.com/directory/utah/",
                "description": "Utah residents use HealthCare.gov for marketplace plans, and the state has expanded Medicaid after transitioning from an earlier partial expansion.",
                "updated_at": "2026-07-01",
                "source": "content/directory/listings/utah.json"
            },
            {
                "title": "vermont",
                "slug": "vermont",
                "url": "https://www.onlinehealthins.com/directory/vermont/",
                "description": "Vermont runs its own marketplace, Vermont Health Connect, and has expanded Medicaid to cover more low-income residents.",
                "updated_at": "2026-07-01",
                "source": "content/directory/listings/vermont.json"
            },
            {
                "title": "virginia",
                "slug": "virginia",
                "url": "https://www.onlinehealthins.com/directory/virginia/",
                "description": "Virginia runs its own marketplace, Virginia's Insurance Marketplace, and has expanded Medicaid to cover more low-income residents.",
                "updated_at": "2026-07-01",
                "source": "content/directory/listings/virginia.json"
            },
            {
                "title": "washington",
                "slug": "washington",
                "url": "https://www.onlinehealthins.com/directory/washington/",
                "description": "Washington runs its own marketplace, Washington Healthplanfinder, and has expanded Medicaid to cover more low-income residents.",
                "updated_at": "2026-07-01",
                "source": "content/directory/listings/washington.json"
            },
            {
                "title": "west-virginia",
                "slug": "west-virginia",
                "url": "https://www.onlinehealthins.com/directory/west-virginia/",
                "description": "West Virginia residents use HealthCare.gov for marketplace plans, and the state has expanded Medicaid to cover more low-income adults.",
                "updated_at": "2026-07-01",
                "source": "content/directory/listings/west-virginia.json"
            },
            {
                "title": "wisconsin",
                "slug": "wisconsin",
                "url": "https://www.onlinehealthins.com/directory/wisconsin/",
                "description": "Wisconsin residents use HealthCare.gov for marketplace plans; the state has not adopted full ACA Medicaid expansion but covers adults up to the poverty line through its own BadgerCare program, avoiding a coverage gap.",
                "updated_at": "2026-07-01",
                "source": "content/directory/listings/wisconsin.json"
            },
            {
                "title": "wyoming",
                "slug": "wyoming",
                "url": "https://www.onlinehealthins.com/directory/wyoming/",
                "description": "Wyoming residents use HealthCare.gov for marketplace coverage, and the state has not expanded Medicaid, leaving a coverage gap for some low-income adults.",
                "updated_at": "2026-07-01",
                "source": "content/directory/listings/wyoming.json"
            }
        ]
    }
}