Health insurance decisions affect your money and your health. That’s why we hold our content to a simple standard: accurate, sourced, clearly written and independent.
1. We start with primary sources
Our guides are built on official and authoritative sources, including HealthCare.gov, the Centers for Medicare & Medicaid Services (CMS), the IRS, the U.S. Department of Labor, state insurance departments and non-partisan research groups such as KFF. When we cite a number — a contribution limit, an out-of-pocket maximum, an enrollment date — we say which year it applies to and link to where it comes from.
2. We explain, we don’t sell
We don’t sell insurance and we don’t steer readers toward specific insurers. Our job is to help you understand your options so you can make your own decision — or ask better questions of a licensed agent.
3. We write for real people
Every guide aims to be understandable without an insurance background. We define jargon, use worked examples with real numbers, and put the key takeaways up front.
4. We review and update
Rules and limits change every year. We review our core guides when new figures are released and before each open enrollment season, and we update the date on a guide when its content meaningfully changes.
5. Advertising stays separate
Ads and affiliate links help fund the site, but advertisers and partners have no say in what we publish. Affiliate links are disclosed on the page. See our Affiliate Disclosure.
6. We fix mistakes
If we get something wrong, we want to know. Send corrections through our Contact page and we’ll review them promptly.