Editorial Policy

This page explains how articles on Insurance Explainer are created, checked and updated.

Our standards

• Answer first: each article begins with a short, direct answer to the question in the title.
• Source-based: articles are written from official and public sources, such as federal agencies (for example HealthCare.gov, Medicare.gov, FEMA, the IRS and the CFPB), state insurance departments, the NAIC and established consumer organizations. Sources are listed at the end of each article.
• No invented facts: we do not publish made-up statistics, prices, quotes or personal experiences. When a number is not in our sources, we do not state it.
• State and policy differences: insurance rules vary by state and by policy. When an answer depends on these, we say so and explain what it depends on.
• Independence: no insurer, agent or advertiser can pay to change what an article says.

Use of AI

We use AI tools to help draft articles from the source material we provide. AI can make mistakes, so articles are limited to what the listed sources support, and they are reviewed and corrected when errors are found.

Updates and corrections

Each article shows the date it was last reviewed. Insurance rules change, and we update articles when we learn that information is outdated. If you find an error, please tell us on the Contact page and we will review it.

Advertising

This site may show advertising to cover its costs. Ads are clearly separated from article content and do not influence what we write.

Not advice

Our content is general information, not insurance, legal, tax or financial advice. Please read our Disclaimer.