Learn health coverage without the industry jargon.
The Dave Knows Health® Knowledge Center is designed to give you clarity before you speak to an agent or pick a plan. Every article is written from the perspective of an active licensed health insurance broker.
Choosing Coverage & Decision Guides
PPO vs HMO: The True Differences in Real Life
Learn why gatekeeper PCP referrals, out-of-network costs, and nationwide provider flexibility separate PPOs and HMOs.
How to Choose Health Insurance: The 6 Step Guide
A step-by-step framework to evaluate your doctors, monthly overhead, and catastrophic downside before enrolling.
In-Network vs Out-of-Network: How Directory Surprises Happen
Why doctor directories on carrier websites are often inaccurate and how Dave verifies active NPI billing contracts.
Cost & Terminology Decoded
Health Insurance Deductibles & Copays: What You Pay First
The mathematical difference between upfront deductibles, first-dollar copays, and coinsurance percentages.
Out-of-Pocket Maximum: Your Catastrophic Financial Ceiling
Why the Out-of-Pocket Max is the most vital number protecting your family from unexpected medical bankruptcies.
Life Situations & Transitions
Health Insurance for the Self-Employed & 1099 Workers
Tax deduction rules, nationwide PPO availability, and how to avoid high COBRA premiums.
What Happens After Leaving a Job: COBRA vs Private Options
Understand your 60-day Special Enrollment clock and when private coverage is dramatically less expensive than COBRA.
Have a question not covered in our guides?
Every person's healthcare circumstances are distinct. Call Dave directly or submit a question for personalized guidance.