Editorial standards
How we review, source and update every page.
Every DigiCare page follows the same five steps: scope one question, take the rules from the regulator that sets them, price from published data, draft the answer first, then date-stamp the page and re-check it when the rule changes. Claims we cannot trace to a primary record do not get published.
This page is the standard the rest of the site is held to. Where we fall short of it, that is a bug — the corrections process below is how you report one.
Last reviewed August 1, 2026
On this page
- 01The five-step process
- 02What we cite — and never cite
- 03How prices are presented
- 04What we can't tell you
- 05Corrections and updates
The process
Five steps between a question and a published page.
01
Scope one question
A page answers one situation, not a keyword. Before drafting we write down who it is for and — just as important — who it is not for, because half of bad insurance content is a right answer given to the wrong reader.
02
Take the rule from the rule-maker
State minimum liability limits, SR-22 and FR-44 filing durations, enrollment windows, subsidy thresholds and visa insurance requirements are read off the body that sets them and linked inline. If a rule is state-specific, it comes from that state's Department of Insurance or DMV, not from a national summary of it.
03
Price from published data
Numbers come from carrier rate filings, plan brochures, published rate tables and government datasets. Each figure carries what it is (average, median, sample quote), the population it describes, and when it was pulled. Nothing is presented as a quote, because we cannot issue one.
04
Draft the answer first
The first paragraph answers the question in 40 to 60 words, before any context, history or caveat. Everything after it exists to qualify that answer — so a reader who stops at the first paragraph still leaves with something correct.
05
Date it, then re-check it
Every page shows the date it was last reviewed. Pages built on moving rules — open enrollment dates, short-term plan availability, state filing requirements, plan year benefits — are re-checked when the rule moves rather than on a fixed schedule.
Sourcing policy
Two lists: what counts as a source, and what never does.
Primary records and regulators
- NAIC — Market-share, complaint and financial-strength data on carriers.
- State Departments of Insurance & DMVs — Minimum limits, filing rules, licensing status, state-specific plan availability.
- healthcare.gov and CMS — Marketplace rules, enrollment periods, subsidy thresholds, plan tiers.
- IRS and the Department of Labor — Self-employed premium deduction, HSA limits, COBRA rights and deadlines.
- USCIS and travel.state.gov — Visa categories and the insurance conditions attached to them.
- Carrier and plan documents — Certificates of coverage and rate filings — for what a plan actually says, never for whether it is good.
- III and KFF — Industry and health-policy research where no government dataset covers the question.
Sources that only look like sources
- Rival comparison sites — The aggregators and review sites we compete with are never a source. Citing them launders their errors into our pages and adds nothing a primary record cannot supply.
- Carrier marketing as fact — Brochure superlatives are quoted as claims by the carrier, never restated as findings. Coverage assertions come from the policy document.
- Undated or anonymous posts — Forum threads and social posts can point us at a question worth answering. They never support a statement about what a rule or a policy says.
- AI-generated summaries — No page here sources a fact from an AI answer, ours or anyone's. Everything traces to a document a reader can open.
Prices and estimates
We can publish a price. We cannot publish your price.
Premiums depend on facts a content site cannot see — your age, state, record, plan year, and the rate a carrier files this quarter. So every figure here is a comparison aid with three properties attached.
Est.
Labeled, every time
Any premium, cost range or calculator output is marked as an estimate at the point it appears — not once in a footnote.
Src.
Attributed to a document
Each figure names where it came from: a rate filing, a plan brochure, a public dataset. If we cannot name the source, the figure does not run.
Date
Stamped with a pull date
Prices decay. A figure without the date it was collected is a figure you cannot check, so ours carry one.
Where our standard stops
What careful sourcing still can't do.
A well-sourced page is not a licensed opinion. When a question turns on your specific circumstances, the answer has to come from someone who can be held responsible for it.
See a sourced pageWe hold no insurance license
DigiCare does not sell, solicit or negotiate insurance, and no page carries a licensed-agent review byline. If a page tells you to confirm something with a licensed producer, that is not a formality.
We do not know your file
Underwriting decisions turn on records we cannot see. Nothing here predicts whether a carrier will accept you or what it will charge.
We cannot read your policy for you
We explain how a plan type generally works. Whether your certificate covers a specific claim is a question for the carrier, in writing.
Rules change between reviews
A dated page is honest about staleness, not immune to it. Check the review date against anything with a deadline attached.
Corrections
When we get it wrong
Corrections are made on the original URL — never by deleting the page or redirecting it somewhere quieter. Where the error changed the practical answer, the page says what was wrong and when it was fixed, and its review date resets.
Found one? Send us the page and the source that contradicts it. A citation to the regulator gets fixed the same week.
FAQ
Questions about the standard
Does a licensed insurance agent review DigiCare's pages?
Not currently. DigiCare holds no insurance license and employs no licensed producer, so no page here carries a licensed-agent review byline. Instead, every coverage rule is cited to the regulator or the policy document that states it, and pages tell you when a question needs a licensed producer in your state.
How do affiliate commissions affect what you recommend?
They do not enter the editorial process. Plan verdicts are written from coverage terms, exclusions and published pricing before any partner link is added, commission rates are not visible to the person writing the page, and partners never review content before it publishes.
How often are pages updated?
Pages are re-checked when the underlying rule changes rather than on a fixed calendar. Enrollment dates, state filing requirements, subsidy thresholds and plan-year benefits trigger a review as soon as they move; the review date at the top of each page shows when that last happened.
What happens when DigiCare gets something wrong?
We correct the page, reset its review date, and where the error changed the practical answer we note what was wrong and when it was fixed. Corrections are made to the original URL rather than quietly deleting or redirecting the page.
Why do you cite government sources instead of other insurance sites?
Because a rule has exactly one authoritative statement: the regulator's own. Secondary summaries drift, go stale silently, and repeat each other's mistakes. Citing the primary record means a reader can verify the claim in one click instead of tracing a chain of citations.
Now hold a page to it.
Open any guide and check the citations against this standard. If one does not hold up, that is a correction worth sending.
- Independent — we don't sell insurance
- No forms, no sales calls
- Sourced from NAIC & state DOIs