How these guides are written and checked.

The guides on this site explain health coverage in plain English for people who buy their own: the self-employed, families, small-business owners, and anyone whose employer coverage is ending. These are the standards they are written to.

Facts come from primary sources

Rules about enrollment windows, subsidies, COBRA and taxes come from the agencies and laws that set them, not from other websites. That means sources like HealthCare.gov and the Centers for Medicare & Medicaid Services, the IRS, the U.S. Department of Labor, and state insurance departments.

Reviewed by a licensed broker

Every guide is reviewed by me, Sam Jaber, a licensed health insurance broker (NPN 20698748), before it is published. You can check my license yourself.

Dated, and corrected when the rules change

Health insurance rules change, often at the start of a new year or a new open enrollment. When a figure depends on the year, such as an income limit, the guide says which year it applies to. When a rule changes, the guide is updated.

If you find something that is out of date or wrong, email [email protected] and it will be corrected.

No insurance company endorsements

No insurance company pays to be featured in these guides. The guides explain types of coverage and how the rules work. They don't recommend a particular insurance company or plan, because the right plan depends on your state, income, household and health.

General information, not advice

The guides are general information. They are not legal, tax or financial advice, and they are not an offer or guarantee of coverage. Your real options depend on your situation, which is what a call is for.

I'm paid by the insurance company when a plan is placed. You can read exactly how that works on the How I'm paid page.