Guide
Health Insurance and Preventative Medicine
Health insurance can make evidence-based preventive care easier to obtain, but useful prevention depends on more than whether a service is covered or offered at no cost.
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MarketReview author profile
Robert Paulsen
Personal Finance Writer
ActiveRobert Paulsen has spent more than a decade writing about the financial choices people make in everyday life. His work covers income, spending, saving, debt and long-term goals, with close attention to the circumstances that can make the same advice sensible for one household and unsuitable for another.
Personal finance is often reduced to slogans: spend less, save more, avoid debt, follow a fixed rule. Robert looks beyond those formulas. He examines the trade-offs behind a decision, the priorities it serves and the costs or constraints that may not be obvious at first glance.
At MarketReview, his articles are intended to help readers organise choices around their own needs rather than an idealised financial plan. He does not treat good personal finance writing as a list of instructions; he treats it as a way to make the reasoning behind competing options clearer.
Areas of coverage
- Personal finance
- Income and spending
- Saving
- Debt
- Retirement planning
- Insurance
- Mortgages
Published work
Latest work by Robert Paulsen
News, analysis and evergreen financial guides credited to this author.
Guide
Health Insurance and Efficiency
Health insurance can protect households from severe medical costs while also changing prices, utilization and incentives across the health care system.
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Guide
Private Health Insurance
Private health insurance can come through an employer, the individual market, or a supplemental policy, and the real comparison lies in total cost, coverage, networks, and financial risk.
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Guide
Public Health Insurance
Public health insurance in the United States includes several distinct programs, and understanding who qualifies, what is covered, and how public and private roles overlap is more useful than treating it as a single system.
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Guide
Health Insurance for Minor Health Expenses
Routine medical costs can be frequent enough to shape a health plan’s value, so compare premiums, cost sharing, preventive-care rules and expected use rather than assuming every small bill should be insured or self-funded.
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Guide
Health Insurance for Major Health Expenses
Major medical coverage protects against large health bills by combining covered benefits, provider networks, cost sharing and an out-of-pocket limit.
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Guide
Health Insurance and Medical Risk
Health insurance spreads the financial risk of uncertain medical costs across a pool, but modern rules determine how insurers can price, transfer and manage that risk.
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Guide
The Scope of Health Insurance Coverage
Health insurance coverage is defined not only by the care a plan lists as covered, but also by its network, cost-sharing rules, drug formulary, authorization requirements and exclusions.
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Guide
Downshifting in Retirement
Downshifting can make retirement a gradual transition instead of an abrupt stop, allowing you to reclaim more of your time while continuing to earn and putting less immediate pressure on your savings.
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