---
title: "Life and health insurance guides"
description: "Riskado insurance guides filed under Life and Health, newest first: 9 guides."
url: "https://riskado.com/life-and-health-insurance/"
lang: "en"
image: "https://riskado.com/og/default.jpg"
alternates:
  es: "https://riskado.com/es/seguro-de-vida-y-salud.md"
---

# Life and health insurance guides

- [Life and Health](https://riskado.com/is-pet-insurance-worth-it/): Pet insurance can help with covered accidents and illnesses, but premiums, deductibles, exclusions and waiting periods apply. See what decides whether it fits.

- [Massachusetts Health Insurance Penalty: The State Coverage Requirement, the Tax Form and Exemptions](https://riskado.com/massachusetts-health-insurance-penalty/): Massachusetts adults must keep qualifying health coverage when it is affordable. For 2026 the penalty runs $26 to $211 a month. See Schedule HC and exemptions.

- [Rhode Island Health Insurance Mandate and Penalty: Who Must Have Coverage and What Happens If You Do Not](https://riskado.com/rhode-island-health-insurance-penalty/): Rhode Island requires every non-exempt resident to keep health coverage each month. See what counts, the 2025 penalty figures, the exemptions and how to report.

## More guides

- [Life and Health](https://riskado.com/rhode-island-tdi-and-paid-family-leave/): Rhode Island TDI covers your own non-work illness or injury, and TCI covers bonding or caregiving. For July 2026 benefit years, it pays $148 to $1,150 a week.

- [Life and Health](https://riskado.com/new-jersey-health-insurance-penalty/): New Jersey still penalizes going without health insurance through a Shared Responsibility Payment on your state tax return. See the amounts and exemptions.

- [Life and Health](https://riskado.com/new-jersey-temporary-disability-and-family-leave-insurance/): New Jersey TDI pays 85% of your average weekly wage, up to $1,119 a week in 2026, for up to 26 weeks. See how FLI differs, who pays in and how to apply.

- [Life and Health](https://riskado.com/term-vs-whole-life-insurance/): Term life covers a stated period and pays only if death happens in it; whole life lasts for life with cash value. See costs, guarantees and what to ask.

- [Life and Health](https://riskado.com/how-much-life-insurance-do-i-need/): No single life insurance amount fits every household. List what your survivors would need, subtract what they would already have, and take the gap to an agent.

- [Life and Health](https://riskado.com/dc-health-insurance-penalty/): DC still charges a health insurance penalty: for 2026, $845 per adult and $422.50 per child or 2.5% of income, capped at $4,965 per person. See the exemptions.