Editorial policy

We are not paid by insurers, brokers, or software vendors to cover them, and we do not accept sponsored guides. If that ever changes, any paid relationship will be clearly disclosed.

We lead with clarity, use realistic and clearly labelled examples, and state our assumptions. We avoid presenting figures that change by year, state, or plan as fixed facts, and we point readers to their carrier, broker, plan documents, or counsel to confirm details.

Every guide is general orientation, not legal, tax, or plan-specific advice. Compliance guides say so directly.

We review guides periodically and when relevant rules or common practices change. Each guide shows when it was last updated.

If you spot an error, let us know. We review every report and correct confirmed mistakes promptly.