About InsureGuide
Independent coverage analysis, unaffiliated with any carrier
We publish coverage analysis on US insurance terms and procedures so policyholders can read a policy — and a claim outcome — with a clearer baseline.
Regulatory Standards
Written against how insurance is actually regulated in the US
Insurance in the United States is regulated primarily at the state level, through each state's Department of Insurance, alongside federal frameworks like the Affordable Care Act for marketplace health plans. Our explanations are framed around that structure — general enough to apply broadly, while flagging where state-level variation matters.
State Oversight
Rate approval, licensing and consumer complaint handling sit with state insurance departments.
Federal Framework
ACA marketplace rules set metal tier structure and essential health benefit minimums.
Sourcing
How content gets written and checked
Content is drafted from publicly available regulatory guidance, standard policy language patterns used across major carriers, and consumer-facing resources published by state insurance departments. Nothing is drawn from a single carrier's proprietary underwriting data.
- ✓Reviewed for plain-language clarity before publishing
- ✓Updated when regulatory frameworks change
- ✓No sponsored placements in our coverage analysis
Advisory Principles
What we will and won't do
Explain terms plainly
Every article defines jargon in the sentence it first appears.
Show the trade-offs
Cost comparisons include what you give up, not just what you gain.
Won't sell policies
We're not a broker or agency and don't process applications.
Won't guarantee outcomes
Claim and coverage outcomes depend on your specific policy and carrier.
Have a question about how we source something?
Reach the consumer inquiries desk directly.