Pet insurance can help with covered accidents and illnesses, but premiums, deductibles, exclusions and waiting periods apply. See what decides whether it fits.
Life and HealthMassachusetts 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.
Life and HealthRhode 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.
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.
New Jersey still penalizes going without health insurance through a Shared Responsibility Payment on your state tax return. See the amounts and exemptions.
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.
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.
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.
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.
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