Editorial policy

Health insurance is a "your money or your life" topic. Our editorial process is built around one promise: a named, verifiable, licensed producer reviews every page before it publishes.

The review process

1. Articles are drafted by our editorial team against primary sources.
2. Every draft goes through review by a licensed health insurance producer (NPN 994557), within 48 hours of submission. Nothing publishes unreviewed. That review checks regulatory accuracy, plan-year currency of every dollar figure, and honest framing of trade-offs.
3. Each page displays who wrote it, who reviewed it, and when.

Sourcing standards

We cite primary sources: CMS, HealthCare.gov, the IRS, the Federal Register, state departments of insurance, and rigorous secondary analysis from KFF and healthinsurance.org. We do not cite content mills, and we never publish AI-generated claims without human verification against a primary source.

Freshness

Every money figure names its plan year in the sentence. All money pages are re-verified each October (when final rates publish) and each January (after open enrollment). Our subsidy news page is reviewed at least monthly while the enhanced premium tax credit question remains unresolved in Congress. Updated pages carry a visible updated date.

Honesty rules

• We say plainly when a product is not insurance (health sharing ministries) or not ACA-equivalent (short-term plans).
• We never use government imagery, "free money" framing, or deadlines that aren't real.
• Testimonials, if ever used, will be truthful, typical, substantiated, and disclosed per FTC rules. No purchased or AI-fabricated reviews, ever.

How we make money

Carrier commissions on enrollments where our producer is agent of record — never consumer fees, never lead sales. Details on the About page.