Our Editorial Policy
Health insurance choices affect your money and your health. So we follow one simple rule: a named, licensed insurance agent checks every page before it goes live.
How we review each page
- Our team writes each page using official sources.
- Heather Fabrizio, a licensed health insurance agent (NPN 20983651), reviews it before it is published. Nothing goes live without her review.
- She checks that the facts are right, the rules are current, and the pros and cons are explained fairly.
- Every page shows who reviewed it and when it was last updated.
Where our facts come from
We use first-hand sources: HealthCare.gov, the Centers for Medicare & Medicaid Services (CMS), the IRS, the U.S. Department of Labor and state departments of insurance. When we share a number, we link to where it came from. We never publish AI-written claims without a person checking them against an official source.
Keeping pages up to date
Prices and rules change every year. When we share a dollar amount, we say which plan year it is for. We recheck our pages when new rates come out and after open enrollment, and each updated page shows a new “Last updated” date.
Our honesty rules
- We say clearly when a plan is not full ACA coverage, such as short-term plans or health sharing ministries.
- We never use fake deadlines, government-style images or “free money” claims.
- We never use fake or paid reviews.
How we make money
We’re a licensed insurance brokerage. Insurance companies pay us a commission when you enroll in a plan through us. You never pay us a fee, and your premium is the same as buying directly from the insurer.
Spot a mistake?
Let us know through our contact page, and we will check it and fix it.