About DigiCare Insurance
We research US insurance. We don't sell it.
DigiCare Insurance is an independent US insurance research site. We publish guides, plan comparisons and single-question answers for visitors, immigrants, self-employed workers and drivers facing state filings. We are not a licensed insurance agency, we take no applications, and every rule we state cites the regulator that set it.
DigiCare Insurance USA is part of DigiCare (getdigicare.com). Pages are researched and edited in-house and sourced from NAIC, state Departments of Insurance, healthcare.gov, CMS, the IRS and USCIS.
Last reviewed August 1, 2026
The short version
- Do you sell insurance?
- No — no license, no applications, no quotes.
- How are you paid?
- Disclosed affiliate commissions from licensed partners.
- Who checks the facts?
- Our editors, against the regulator that sets the rule.
Why trust a page here
Independence you can check, not a badge we awarded ourselves.
01
Independent by construction
We hold no agency license and take no applications, so there is no policy we are trying to place. The advice and the revenue are structurally separate, not separated by a promise.
02
Primary sources or nothing
Limits, deadlines and filing rules come from the body that sets them — a state Department of Insurance, NAIC, healthcare.gov, the IRS. A rival comparison page is never a source.
03
Money that is disclosed
Some outbound links pay us a commission when you buy through a licensed partner. Those links are marked, and no partner sees a page before it publishes.
Who this site is for
The situations the big comparison sites skip past.
National comparison sites are built for the biggest, simplest cases. We work the other end: the coverage questions that turn on a visa category, a state filing rule, or having no employer at all.
Visitors, parents and new arrivals
People covering a parent's trip, a first year on a green card, or a student's OPT gap — where the plan you need is nothing like a domestic health plan.
Start hereSelf-employed and gig workers
Freelancers, contractors and one-person businesses buying their own coverage: Marketplace subsidies, the premium deduction, and what short-term plans leave out.
Start hereDrivers facing a state filing
SR-22 and FR-44 filings, non-owner policies, and getting insured with no US driving history — the part of auto insurance set state by state, not by carriers.
Start hereSolo operators and hosts
Contractors, consultants and short-term-rental hosts working out what a contract requires versus what a standard policy already excludes.
Start hereAnyone with one specific question
The Answers Library is one question per page, answered in the first paragraph and sourced underneath. No 3,000-word detour to reach the sentence you needed.
Start hereHow a page is made
Four steps, on every page, every time.
The full standard — which sources qualify, how prices are presented, and what happens when we get something wrong — is written out on one page.
How we review01
One question per page
We scope a page to the exact situation someone is in — not to a keyword — and say up front who it is not for.
02
Rules from the rule-maker
State minimums, enrollment windows, filing durations and subsidy thresholds are read off the regulator's own page and cited inline.
03
Prices labeled as estimates
Figures come from published rate filings and plan documents, carry the date they were pulled, and are never presented as a quote.
04
Dated, then re-checked
Every page carries a review date. Pages built on rules that move get re-checked when the rule moves, not on a calendar.
What we are not
The four limits of an unlicensed research site.
Stated here rather than buried in the terms, because they change what this site is useful for.
What we can help withWe are not a licensed insurance agency
DigiCare does not sell, solicit or negotiate insurance. Products are offered through licensed partners, who carry the licenses and the regulatory obligations that come with them.
No applications, no quotes, no phone funnel
There is no form on this site that puts you into a call queue. When you are ready to buy, you leave for a partner site on your own terms.
Every price here is an estimate
Real premiums depend on facts we cannot see — your age, state, driving record, plan year. Treat every figure on the site as a starting point for comparison.
General information, not personal advice
Nothing here is a recommendation for your specific circumstances. For a binding answer on coverage, ask the carrier or a licensed producer in your state.
FAQ
Questions about us
Questions about coverage rather than about DigiCare live in the Answers Library.
Browse the Answers LibraryIs DigiCare Insurance an insurance company or an agency?
Neither. DigiCare Insurance is an independent content and research site. We do not underwrite policies, hold an agency license, or sell, solicit or negotiate insurance. Insurance products referenced on the site are offered by licensed carriers and licensed partner agencies, not by DigiCare.
Who writes DigiCare's content?
Pages are researched and published by the DigiCare editorial team as an organization rather than under individual bylines. Where a page needs a credential we do not hold — a licensed producer's read on a coverage question — we cite the regulator or carrier document instead of implying an in-house expert reviewed it.
How does DigiCare make money?
Through affiliate commissions. When a link sends you to a licensed partner and you buy a policy, that partner may pay us a commission. It costs you nothing extra, the links are disclosed, and no partner has editorial input — commission rates never decide which plan a page recommends.
Where do the facts and numbers come from?
Regulatory and government sources: NAIC, individual state Departments of Insurance, healthcare.gov and CMS, the IRS, the Department of Labor, USCIS, and the Insurance Information Institute. Pricing comes from published rate filings and plan documents. We do not source facts from other comparison sites.
Can I buy a policy through DigiCare?
No. There is no checkout, application or quote form on this site. Pages end in a link to a licensed partner who can actually sell the policy, and you complete the purchase there under that partner's license, terms and privacy policy.
Judge the method, then judge the pages.
Our sourcing rules, pricing policy and corrections process are written down in full — read them before you trust a number here.
- Independent — we don't sell insurance
- No forms, no sales calls
- Sourced from NAIC & state DOIs