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Insurance
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![man working on a laptop in a coffee shop](https://cdn.statically.io/img/lifehacker.com/imagery/articles/01HWTRS19Y5V4FR3A4JF4WTXC4/hero-image.fill.size_245x138.v1714672806.png)
Insurance
Why Gig Workers Need Business Insurance (and How Much They Should Buy)
Gig workers face unique risks not covered by personal insurance policies.
![Man looking at car engine while on smartphone](https://cdn.statically.io/img/lifehacker.com/imagery/articles/01HRYWQD1S1H517YA7ESY1N1WR/hero-image.fill.size_245x138.v1710435228.jpg)
![Man looking at car engine while on smartphone](https://cdn.statically.io/img/lifehacker.com/imagery/articles/01HRYWQD1S1H517YA7ESY1N1WR/hero-image.fill.size_245x138.v1710435228.jpg)
Insurance
Why You Might Need Mechanical Breakdown Insurance for Your Car
Mechanical breakdown insurance can make it possible to get your car fixed without losing your shirt.
![House in floodwaters](https://cdn.statically.io/img/lifehacker.com/imagery/articles/01HRYQQG0NNBGQ5Z8WBDWCJ2QC/hero-image.fill.size_245x138.v1710429747.jpg)
![House in floodwaters](https://cdn.statically.io/img/lifehacker.com/imagery/articles/01HRYQQG0NNBGQ5Z8WBDWCJ2QC/hero-image.fill.size_245x138.v1710429747.jpg)
Insurance
How to Avoid Force-Place Insurance on Your Home or Car (and Why You Should)
Lenders sometimes go ahead and purchase insurance you don’t need.
![Doctor's appointment](https://cdn.statically.io/img/lifehacker.com/imagery/articles/01HNJVX6Y11P8AECWPKFMNE8D2/hero-image.fill.size_245x138.v1706816344.png)
![Doctor's appointment](https://cdn.statically.io/img/lifehacker.com/imagery/articles/01HNJVX6Y11P8AECWPKFMNE8D2/hero-image.fill.size_245x138.v1706816344.png)
Insurance
All the Differences Between an HSA and an FSA
Know which one is right for you—and how to get the most out of it.
![A car with a dented front bumper showing obvious but cosmetic damage](https://cdn.statically.io/img/lifehacker.com/imagery/articles/01HHJ3446GBXDRQZ4BJ5A5WV5S/hero-image.fill.size_245x138.v1702489700.png)
![A car with a dented front bumper showing obvious but cosmetic damage](https://cdn.statically.io/img/lifehacker.com/imagery/articles/01HHJ3446GBXDRQZ4BJ5A5WV5S/hero-image.fill.size_245x138.v1702489700.png)
Insurance
When You Have to Use an Insurance Check for Repairs (and When You Can Keep It)
Your car or home was damaged, so the insurance company cut you a check. Do you have to use the money as intended? Not always.
![men replacing roof of a house](https://cdn.statically.io/img/lifehacker.com/imagery/articles/01HHFHEYC6NF3MJ2KQ1RHFC75N/hero-image.fill.size_245x138.v1702404505.png)
![men replacing roof of a house](https://cdn.statically.io/img/lifehacker.com/imagery/articles/01HHFHEYC6NF3MJ2KQ1RHFC75N/hero-image.fill.size_245x138.v1702404505.png)
Insurance
Nine Things You Need to Tell Your Home Insurer About
Replaced your roof? New furnace? Telling your insurance company about it might lower your premiums—or raise them.
![How to Get Health Insurance When You’re Self-Employed](https://cdn.statically.io/img/lifehacker.com/imagery/articles/01HF2GPVHJJT0FJV20XRP6RYBC/hero-image.fill.size_245x138.v1699836241.jpg)
![How to Get Health Insurance When You’re Self-Employed](https://cdn.statically.io/img/lifehacker.com/imagery/articles/01HF2GPVHJJT0FJV20XRP6RYBC/hero-image.fill.size_245x138.v1699836241.jpg)
Insurance
How to Get Health Insurance When You’re Self-Employed
Being your own boss means taking charge of your own health insurance.
![woman working on a laptop in an office setting](https://cdn.statically.io/img/lifehacker.com/imagery/articles/01HF2GWEK0H5FQJH097V7APCQR/hero-image.fill.size_245x138.v1699836396.jpg)
![woman working on a laptop in an office setting](https://cdn.statically.io/img/lifehacker.com/imagery/articles/01HF2GWEK0H5FQJH097V7APCQR/hero-image.fill.size_245x138.v1699836396.jpg)
Insurance
Avoid These Common Mistakes During Open Enrollment
You've got information to dissect and deadlines to meet.
![standing water on the floor of an empty house](https://cdn.statically.io/img/lifehacker.com/imagery/articles/01HF2HH6NQAYTQQPDX0B4F1QNS/hero-image.fill.size_245x138.v1699835505.jpg)
![standing water on the floor of an empty house](https://cdn.statically.io/img/lifehacker.com/imagery/articles/01HF2HH6NQAYTQQPDX0B4F1QNS/hero-image.fill.size_245x138.v1699835505.jpg)
Insurance
When You Should (and Shouldn't) File a Home Insurance Claim
Homeowner's insurance policies have limitations and don't always make financial sense.
![Don’t Risk Losing Your FSA Funds This Year](https://cdn.statically.io/img/lifehacker.com/imagery/articles/01HF2GMQWVVCTZ4Z0BCCNSH270/hero-image.fill.size_245x138.v1699834787.jpg)
![Don’t Risk Losing Your FSA Funds This Year](https://cdn.statically.io/img/lifehacker.com/imagery/articles/01HF2GMQWVVCTZ4Z0BCCNSH270/hero-image.fill.size_245x138.v1699834787.jpg)
Insurance
Don’t Risk Losing Your FSA Funds This Year
Temporary rollover rules from the pandemic are coming to an end this year.
![Don't Forget Obamacare's Open Enrollment Deadline](https://cdn.statically.io/img/lifehacker.com/imagery/articles/01HF2GHYA1V1RGC8ETGD4A7K21/hero-image.fill.size_245x138.v1699834820.jpg)
![Don't Forget Obamacare's Open Enrollment Deadline](https://cdn.statically.io/img/lifehacker.com/imagery/articles/01HF2GHYA1V1RGC8ETGD4A7K21/hero-image.fill.size_245x138.v1699834820.jpg)
Insurance
Don't Forget Obamacare's Open Enrollment Deadline
Here's what to know about signing up for a plan through the Affordable Care Act.
![How to Find Out What Your Health Insurance Will Pay Beforehand](https://cdn.statically.io/img/lifehacker.com/imagery/articles/01HF2HJREX8X0G0CK9HRB3FCQH/hero-image.fill.size_245x138.v1699835967.jpg)
![How to Find Out What Your Health Insurance Will Pay Beforehand](https://cdn.statically.io/img/lifehacker.com/imagery/articles/01HF2HJREX8X0G0CK9HRB3FCQH/hero-image.fill.size_245x138.v1699835967.jpg)
Insurance
How to Find Out What Your Health Insurance Will Pay Beforehand
A new federal law about price transparency just went into effect—but good luck making use of it.
![Should You Insure Any of Your Body Parts?](https://cdn.statically.io/img/lifehacker.com/imagery/articles/01HF2GSBX4CHY0N20QJJ67QJZV/hero-image.fill.size_245x138.v1699835385.jpg)
![Should You Insure Any of Your Body Parts?](https://cdn.statically.io/img/lifehacker.com/imagery/articles/01HF2GSBX4CHY0N20QJJ67QJZV/hero-image.fill.size_245x138.v1699835385.jpg)
Insurance
Should You Insure Any of Your Body Parts?
If Heidi Klum can have insurance on her legs, why can't you?
![All the Health Insurance Words You Need to Know But Were Too Embarrassed to Ask About](https://cdn.statically.io/img/lifehacker.com/imagery/articles/01HF2H1070GP4V31W17JXR9G4W/hero-image.fill.size_245x138.v1699833995.jpg)
![All the Health Insurance Words You Need to Know But Were Too Embarrassed to Ask About](https://cdn.statically.io/img/lifehacker.com/imagery/articles/01HF2H1070GP4V31W17JXR9G4W/hero-image.fill.size_245x138.v1699833995.jpg)
Insurance
All the Health Insurance Words You Need to Know But Were Too Embarrassed to Ask About
Pray tell, what is a prior authorization and why would you need one?
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![Where to Get Reimbursed for Spoiled Food After a Power Outage](https://cdn.statically.io/img/lifehacker.com/imagery/articles/01HF2GG7VPWPWQSVZTSJ2657M2/hero-image.fill.size_245x138.v1699836533.jpg)
Insurance
Where to Get Reimbursed for Spoiled Food After a Power Outage
You may be entitled to up to $500 for spoiled food, depending on your homeowners insurance policy.
![Will Your Health or Life Insurance Rates Increase If You're Not Vaccinated?](https://cdn.statically.io/img/lifehacker.com/imagery/articles/01HF2H2263MBDV9H35EAQR2CYN/hero-image.fill.size_245x138.v1699833591.jpg)
![Will Your Health or Life Insurance Rates Increase If You're Not Vaccinated?](https://cdn.statically.io/img/lifehacker.com/imagery/articles/01HF2H2263MBDV9H35EAQR2CYN/hero-image.fill.size_245x138.v1699833591.jpg)
Insurance
Will Your Health or Life Insurance Rates Increase If You're Not Vaccinated?
Most insurers aren't using your vaccination status to determine your rates—but that could change.
![What to Do If You're About to Lose Your Federal COBRA Subsidy](https://cdn.statically.io/img/lifehacker.com/imagery/articles/01HF2H41C563W3WYPQWECYVRGQ/hero-image.fill.size_245x138.v1699836623.jpg)
![What to Do If You're About to Lose Your Federal COBRA Subsidy](https://cdn.statically.io/img/lifehacker.com/imagery/articles/01HF2H41C563W3WYPQWECYVRGQ/hero-image.fill.size_245x138.v1699836623.jpg)
Insurance
What to Do If You're About to Lose Your Federal COBRA Subsidy
With the 100% subsidies expiring in October, now is probably the time to find a cheaper Obamacare plan.
![Why You Shouldn't Wait to Get Flood Insurance (Besides the Obvious Reason)](https://cdn.statically.io/img/lifehacker.com/imagery/articles/01HF2HFHZSF3XG0AVY0AE09SBP/hero-image.fill.size_245x138.v1699835530.jpg)
![Why You Shouldn't Wait to Get Flood Insurance (Besides the Obvious Reason)](https://cdn.statically.io/img/lifehacker.com/imagery/articles/01HF2HFHZSF3XG0AVY0AE09SBP/hero-image.fill.size_245x138.v1699835530.jpg)
Insurance
Why You Shouldn't Wait to Get Flood Insurance (Besides the Obvious Reason)
Increased rates could affect up to 77% of policyholders, but you can lock in your current pricing for another year.
![How to Qualify for Free Healthcare If You're Unemployed](https://cdn.statically.io/img/lifehacker.com/imagery/articles/01HF2H8G9BFK6MDME0HGD2WRQH/hero-image.fill.size_245x138.v1699835299.jpg)
![How to Qualify for Free Healthcare If You're Unemployed](https://cdn.statically.io/img/lifehacker.com/imagery/articles/01HF2H8G9BFK6MDME0HGD2WRQH/hero-image.fill.size_245x138.v1699835299.jpg)
Insurance
How to Qualify for Free Healthcare If You're Unemployed
Three out of five unemployed Americans now qualify for $0 monthly premiums.
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