Insurance For You
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Insurance for Your Situation
Your insurance needs depend on your life stage, family situation, and circumstances. Find guidance tailored to people like you.
By Life Stage
- Seniors (65+) - Medicare, supplemental coverage, and retirement planning
- Pre-Retirement (55-64) - Preparing for Medicare and retirement
- Young Adults - First-time coverage basics and staying on parents’ plans
- Students - Campus health plans and coverage options
By Family Situation
- Young Families - Protecting your growing household
- Single Parents - Coverage priorities when you’re the sole provider
- New Parents Insurance Guide - Adding children to your coverage
By Employment
- Self-Employed - Health and liability coverage without an employer
- Small Business Owners - Business insurance essentials
- Gig Workers - Coverage for freelancers and contractors
- Recently Unemployed - COBRA, marketplace, and gap coverage
Special Situations
- Veterans - VA benefits and supplemental coverage
- New Immigrants - Understanding US insurance requirements
- High Net Worth - Asset protection and umbrella coverage
- Spanish Speaking - Recursos de seguros en español
Frequently Asked Questions
How do I find insurance advice for my specific situation?
Browse our guides organized by life stage (seniors, young adults, students), family situation (young families, single parents), employment type (self-employed, gig workers, small business owners), or special circumstances (veterans, new immigrants). Each guide covers the insurance types most relevant to people in your situation.
What insurance do most people need?
Most adults need health insurance (the biggest potential expense), auto insurance (required in most states), and renters or homeowners insurance. Beyond those basics, your needs depend on your situation—parents typically need life insurance, self-employed people need disability and liability coverage, and business owners need commercial policies.
How do insurance needs change at different life stages?
Young adults often need basic health coverage and may stay on parents’ plans until 26. Families need life insurance and often more health coverage. Pre-retirees should plan for Medicare transition. Seniors (65+) shift to Medicare and may need supplemental coverage, long-term care planning, and estate protection.
Where should I start if I'm overwhelmed by insurance options?
Start with our Coverage Quiz—it takes 2 minutes and recommends coverage based on your situation. Then explore the guide for your specific life stage or employment type. Focus on the biggest risks first (health coverage, then protecting your income and dependents) before adding optional coverages.
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State Insurance Guides
Insurance requirements, costs, and available programs vary significantly by state. Find state-specific resources to complement your insurance for you coverage research.