How we make money
Who pays DigiCare, and what that money cannot buy.
DigiCare plans to earn commission when a reader buys through a partner link. Today none of those links exist: no page on this site currently earns us anything. When that changes, links will be labeled at the point of the click, and you will pay the same price you would pay going direct.
Every site that compares insurance is paid by someone. The useful question is not whether, but by whom, on what trigger, and what the payment is allowed to change. This page answers all three.
Last reviewed August 1, 2026
Right now
0
affiliate programs live on this site, out of 14 planned across five verticals.
Check any outbound link on the site. Today every one of them points to a regulator, a government dataset or an industry research body.
The mechanics
Three steps between a page and a payment.
01
You read a page that names a plan
Coverage terms, exclusions and published limits are written up before any partner link is considered. The verdict on a plan comes out of its own documents, and it is the same verdict whether or not a program exists behind it.
02
A labeled link sends you to the seller
We cannot sell you a policy — no license, no applications, no quotes. Buying happens on the partner or carrier site, which is where the disclosure sits: on the link, not buried in a policy page you were never going to open.
03
The partner pays us, not you
Commission comes out of the seller's margin. There is no DigiCare surcharge, no worse price for arriving through us, and no version of the plan that costs less if you go around us.
The partners
Who pays, and on what trigger.
Payment models are not interchangeable. A commission paid after a policy issues rewards sending the right reader to the right plan; a fee paid per quote request rewards volume. Those pull in different directions, so each vertical states which one applies to it.
Visitor & immigrant insurance
Plan reviews, comparisons and the visitor hub
Commission on the sale
- Insubuyplanned
- VisitorsCoverageplanned
- IMGplanned
- WorldTripsplanned
- Trawick Internationalplanned
The partner pays a share of the premium after a policy is issued, so we are paid only if someone buys and keeps a plan. That rewards sending the right person to the right plan and pays nothing for volume.
Car insurance
Non-owner, SR-22 and FR-44 pages
Payment per lead
- EverQuoteplanned
- MediaAlphaplanned
Quote marketplaces pay for a completed quote request whether or not you buy anything. That is the weakest incentive alignment on the site, which is why auto pages stay information-first and why we say so here rather than in a footnote.
Health insurance
Self-employed, short-term and state pages
Commission on enrollment
- eHealthplanned
- Strideplanned
- HealthSherpaplanned
Brokers pay when an application is completed through their platform. Marketplace plans at healthcare.gov and state exchanges are always linked directly and never through a partner, because the same plan at the same price should not cost you a detour.
Business insurance
Builders risk, professional liability, cyber
Commission on the policy
- NEXT Insuranceplanned
- Hiscoxplanned
Paid after a policy binds. Small-business coverage is bought once and renewed, so the commission follows a decision the reader has already made rather than a click.
Home & property
Airbnb host, landlord and condo pages
Mixed — lead or policy
- Steadilyplanned
- Obieplanned
Landlord and short-term-rental specialists pay per referred quote or per bound policy depending on the program. Where the model differs from the rest of a page, the page says which one applies.
Planned means we intend to join the program, not that we have. A partner moves to live in the same change that puts its first link on a published page — this list is generated from the site code, so it cannot drift away from what is actually deployed.
The limits
What a commission never buys.
A disclosure that only admits money exists is decoration. These are the five things the money is not allowed to touch, written so that breaking one would be visible from outside.
How we reviewPlacement or ranking
No partner can pay to appear, to rank higher, or to be called best. Order on a comparison follows the coverage analysis, and a plan with no program behind it can win the page.
A better verdict
Commission rates are not visible to the person writing a review. A plan that is worse gets written up as worse, and the partner finds out when the page publishes.
Pre-publication review
No partner, carrier or marketplace sees a page before it goes live, and none has ever been given edit rights, approval rights or a heads-up.
Silence on a weak plan
Where a plan has a hard cap, a narrow window or an exclusion that matters, it goes in the page. That is the part a seller would prefer we skipped, so it is the part we hold hardest.
Coverage of a bad vertical
Final-expense life insurance pays some of the best commissions in the industry. It is cut from this site for year one because we cannot cover it to the standard the audience deserves.
Where the label appears
On the link, not in the footer
- A disclosure line sits next to every affiliate button or partner table, before the click rather than after it.
- Affiliate links carry a sponsored attribute in the markup, so crawlers read them as paid links too.
- This page is linked from the footer of every page and from each disclosure line.
- Nothing on the site is an advertisement dressed as an article: there are no sponsored posts and no paid reviews.
FAQ
Questions about the money
Does DigiCare get paid if I buy a policy through a link?
Not yet. No affiliate program is live on DigiCare today and no link on the site currently earns us anything — every outbound link at the moment points to a regulator, a government source or an industry research body. When partner links do go live, they will be labeled at the point of the click and listed on this page.
Do commissions change which plans you recommend?
No, and the process is built to make that checkable rather than promised. Coverage terms, exclusions and published limits are analysed before any partner link is added, commission rates are not visible to whoever writes the page, and a plan with no affiliate program behind it can and does win a comparison. Partners never see a page before it publishes.
Do I pay more if I use a DigiCare link?
No. Commission is paid out of the seller's margin, not added to your premium. The price through an affiliate link is the price you would get going direct to the same seller on the same day. If you would rather not use our link, go direct — the plan names on every page are enough to find it yourself, which is deliberate.
Does DigiCare run ads or sell my details to insurers?
No to both. There are no display ads, no sponsored posts, no paid placements and no sold leads. The site takes no phone numbers and runs no quote forms, so there is nothing to sell — that is a licensing and TCPA posture, not just a preference, and it is why every buying action here is a click-out rather than a form.
Now read something we are not paid for.
The editorial standard is the other half of this page. It covers what counts as a source, how prices are dated, and what an unlicensed site is not able to tell you.
- Independent — we don't sell insurance
- No forms, no sales calls
- Sourced from NAIC & state DOIs