Skip to main content

Contact Us

Contact Us

Contact Us

Have questions, suggestions, or feedback about Smart Money Guide? We read every message.

You can reach us about:

  • Corrections or updates to our articles — accuracy matters to us, and we fix errors quickly
  • Topic requests — tell us what money question you want explained next
  • Business and partnership inquiries

Email: smartmoneyguideblog2026@gmail.com

We typically respond within 48 hours on business days.

Please note: we can’t provide personal financial advice by email. Our articles are educational, and a licensed financial advisor who knows your full situation is the right person for personal decisions.

Comments

Popular posts from this blog

ACA Open Enrollment 2027: 7 Smart Moves Before Nov 1

🎬 Watch the short version In 12 days, the health insurance marketplace opens for 2027 — and this year is genuinely different. The extra subsidies from the pandemic years are gone. A hard income cliff is back. The government just tightened the rules on insurance brokers after a wave of unauthorized plan switches. And the single most misunderstood deadline — December 15 — decides whether your coverage starts January 1 or a full month later. Whether you're buying your first marketplace plan or auto-renewing your fifth, what you do in the next few weeks decides what you pay for all of next year. Here's everything that matters, and the 7 smart moves to make before November 1. The Exact Dates (Save These) For 2027 coverage on HealthCare.gov (the federal marketplace): November 1, 2026 — Open enrollment begins. First day to enroll in, renew, or change a plan for 2027. December 15, 2026 — Last day to enroll for coverage starting January 1, 2027 . January 15, 2027 — Open enro...

2027 HSA Limits: Save Up to $10,000 Tax-Free (IRS Rules)

If you have a high-deductible health plan, the IRS just handed you a bigger tax break for 2027. The new HSA contribution limits are official — and for the first time ever, a family can shelter $9,000 a year from taxes. If you're 55 or older with family coverage, that number climbs to $10,000 . Open enrollment is happening right now, which means this is the exact moment to act. Here's everything that changed, who qualifies, and the moves to make before enrollment closes. The 2027 HSA Numbers (Official IRS Figures) The IRS announced the 2027 limits in Revenue Procedure 2026-24. Here's how they compare to 2026: 2026 2027 HSA limit — self-only coverage $4,400 $4,500 HSA limit — family coverage $8,750 $9,000 Catch-up contribution (age 55+) $1,000 $1,000 (unchanged) HDHP minimum deductible — self-only $1,700 $1,750 HDHP minimum deductible — family $3,400 $3,500 HDHP out-of-pocket max — self-only $8,500 $8,700 HDHP out-of-pocket max — family $17,000 $17,400 Two thin...

HDHP vs PPO in 2027: Which Plan Saves You More?

Open enrollment forces one big choice: a high-deductible health plan (HDHP) with low monthly premiums, or a PPO with higher premiums but lower costs when you actually see a doctor. Pick wrong and you can lose thousands over the year — not because one plan is "bad," but because it doesn't fit how you use health care. Here's the honest comparison, with real 2027 numbers, so you can decide on math instead of guesswork. The Two Plans in 30 Seconds HDHP: Low monthly premium. High deductible — you pay most costs yourself until you hit it. Often paired with a Health Savings Account (HSA) , which is the best tax break in the entire tax code. PPO: Higher monthly premium. Lower deductible, fixed copays for doctor visits and prescriptions, and the freedom to see specialists without a referral. No HSA. The trade is simple: HDHP charges you less every month but more when you're sick. PPO charges you more every month but less when you're sick. The 2027 Numbers That Matter ...