Founding editor
Michael Osei
Michael Osei covers Medicare, insurance and the legal paperwork families put off until it's urgent. He spent years doing Medicaid eligibility casework before moving into writing, and he still reads a plan's formulary line by line before he'll compare it to anything else.
Covers Medicare & Insurance, Legal & Money
Latest from Michael
Medicare Open Enrollment 2026: How to Compare Plans Without Getting a Sales CallA step-by-step way to compare Medicare Advantage, Medigap and Part D plans for 2026 using Medicare's own tools first — before a single phone call with an agent.
Medicare Part D Explained in Plain LanguageWhat a formulary actually is, how the annual drug cost cap works now, and why two plans that look identical on price can cost very different amounts.
Power of Attorney, ExplainedThe difference between financial and medical power of attorney, durable versus springing, and the questions to ask before anyone signs anything.