Sources
Insurance Simplified USA relies on authoritative, publicly available sources to research and verify insurance information. We do not copy their text; we use them to build our own original explanations, and we link to them so you can read the primary source yourself.
Categories of Sources We Use
- State Departments of Insurance — for state-specific minimum coverage requirements, licensing rules, and consumer protections. Find your state’s official regulator through the NAIC’s state insurance department directory.
- National Association of Insurance Commissioners (NAIC) — naic.org — for model regulations and consumer resources used across states.
- Medicare.gov and CMS — medicare.gov — for Medicare Parts A, B, C, D, and Medigap rules and costs.
- Healthcare.gov — healthcare.gov — for ACA Marketplace rules, enrollment periods, and subsidy information.
- U.S. Department of Labor, IRS, SBA, FTC, and FEMA — for topics that touch employer benefits, tax treatment of insurance products, small-business requirements, consumer protection, and flood insurance, respectively.
- Insurer-published documentation — such as publicly filed policy forms or rate filings, when discussing how a specific type of coverage generally works.
What We Don’t Do
We don’t invent statistics, quote unnamed “experts,” or present a single source’s numbers as a universal fact when rules vary by state. Where information is genuinely uncertain or we could not verify it against an authoritative source, we say so rather than presenting an unsupported figure.
Reporting an Outdated Source
Regulations and figures change. If you find a source citation that’s out of date, please use our Corrections Policy to let us know.
Last updated: September 12, 2026