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Insights & Guides

Deep dives into the products, services, and decisions that matter most to your wallet.

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A phone face down on a desk beside a printed credit report and a pen resting on the tradeline column
Banking & Credit

Your Four Payments Are a Loan Now

FICO built two scoring models that read buy now, pay later data. Affirm and Klarna started furnishing it. The short-term installment plan that used to be invisible to lenders is now a tradeline, and the reporting is uneven in ways that matter.

Nirvaan Saha
Nirvaan SahaMay 12, 2026 · 8 min read
An open health insurance statement on a kitchen table beside reading glasses and a cooling cup of coffee
Insurance

The Subsidy Expired and Your Premium Doubled

The enhanced premium tax credits ended on January 1. Marketplace premium payments are up 114 percent on average, and if you earn over roughly $63,000 on your own, your subsidy did not shrink. It went to zero.

Alyssa Chen
Alyssa ChenMay 5, 2026 · 9 min read