Les Masterson is a deputy editor and insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, ...

We independently evaluate all of our recommendations. If you click on links we provide, we may receive compensation. Zack Sigel is a writer and editor based in New York City. He has been managing ...

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more. If you live in the U.S. and have private health insurance, Medicare or Medicaid, you're probably not ...

Jeanine Skowronski is an editor, writer, and journalist with more than 15 years of experience in personal finance and business, including roles at Bankrate, CreditCards.com, and Policygenius. Her work ...