How these guides are written and checked.

These guides are written to make health insurance easier to understand for people purchasing coverage themselves. That includes self-employed workers, families, small-business owners, and people losing insurance through an employer. The following standards explain how the information is researched, written, and maintained.

Facts come from primary sources

For information about COBRA, enrollment periods, taxes, and subsidies, the guides rely on the laws and government agencies responsible for those rules rather than repeating information from unrelated websites. Sources include HealthCare.gov, the Centers for Medicare & Medicaid Services, the IRS, the U.S. Department of Labor, and state insurance departments.

Reviewed by a licensed broker

Before any guide goes live, I personally review it. I'm Sam Jaber, a licensed health insurance broker with NPN 20698748. You're welcome to check my license and confirm my credentials directly.

Dated, and corrected when the rules change

Insurance regulations aren't static. They can change when a new year begins or another Open Enrollment period arrives. If a guide includes a year-specific figure, such as an income threshold, it identifies the applicable year. When regulations are revised, the corresponding guide is revised to reflect those changes.

If you notice information that seems incorrect or hasn't been updated, please contact me at sam@sjiadvisory.com. I'll make sure the necessary correction is made.

No insurance company endorsements

Insurance carriers do not pay to appear in these educational guides. Their purpose is to explain different kinds of coverage and the rules surrounding them, not to promote a specific insurer or policy. Choosing a suitable plan requires considering your location, income, household circumstances, and health.

General information, not advice

Everything in these guides is intended for general educational purposes. It shouldn't be treated as legal, tax, or financial advice, nor does it promise or offer insurance coverage. The plans available to you depend on your circumstances, which we can discuss together on a call.

My compensation comes from the insurance carrier when a policy is placed. I've explained the payment process in detail on the How I'm paid page if you'd like to review it.