Contributor
Legamoney Insurance Desk
Editorial desk — auto, home, health, and life coverage
The Insurance Desk explains what policies actually cover, what the wording means, and where the gaps usually sit. Insurance in the United States is regulated state by state, so the desk works from NAIC model terminology and consumer material, state insurance department guidance, and the federal marketplace rules for health coverage — then says explicitly when an answer depends on the reader's state or on their own policy schedule. It does not rank insurers on commission and does not publish premium quotes, because a premium without underwriting behind it is a guess.
Areas of expertise
- Policy wording, exclusions and endorsements
- Auto and home liability limits and deductibles
- Health plan cost-sharing and enrolment rules
- Life insurance structures and beneficiary questions
- Claims, disputes and state regulator escalation
Primary sources used
- National Association of Insurance Commissioners
Model policy terminology, consumer protections and state regulator directory.
- HealthCare.gov
Official definitions for deductibles, coinsurance, out-of-pocket maximums and enrolment rules.
- Centers for Medicare & Medicaid Services
Federal rules governing marketplace and Medicare coverage.
- Insurance Information Institute
Industry loss and coverage statistics, cited as industry data rather than regulation.
Published
0 articles
How we verify what we publish
- 01Definitions follow NAIC model terminology rather than any single insurer's marketing language.
- 02Where cover varies by state, the guide says so and links the reader to their own state insurance department.
- 03Health coverage rules are checked against HealthCare.gov and CMS before publication.
- 04We do not publish premium estimates, because pricing depends on underwriting we cannot see.
- 05Readers with a live dispute are directed to their state regulator's complaint process, which is free.
Articles by Legamoney Insurance Desk
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