Editorial Policy
How our research is written, sourced, reviewed, and corrected.
Who Writes Our Content
All research and guides published on Verd are written by the Verd Policy Team — the two founders, health policy professionals with more than a decade of experience in health legislation, insurance regulation, and federal benefits programs. Articles are attributed to the team as house style, and the team is collectively responsible for the accuracy of everything published here.
Sourcing Standards
We work from primary sources only. Figures, program rules, and deadlines cited in our research come directly from official government and established research sources, including:
- The Centers for Medicare & Medicaid Services (CMS)
- The Internal Revenue Service (IRS)
- The Department of Health and Human Services (HHS)
- The Medical Expenditure Panel Survey (MEPS), for utilization context in articles
- KFF (Kaiser Family Foundation) health policy research
We do not cite secondhand summaries, marketing materials from insurers, or unverified aggregator content. When a number depends on the plan year, we say which year it applies to.
Review Cadence
Health insurance rules change every year. Every figure in our library — contribution limits, out-of-pocket maximums, subsidy thresholds, enrollment dates — is re-verified annually when new plan-year data lands from CMS and the IRS. Each article carries a dated review notice so you can see when its contents were last checked. If an article has not yet been re-verified for the current plan year, treat year-specific figures as provisional.
Corrections
If you spot an error — a stale figure, a misstated rule, a broken example — please report it through our contact page. We investigate every report, correct confirmed errors promptly, and update the article's review date when we do. Material corrections are noted in the article itself.
Independence
Verd does not accept commissions from insurance carriers, and we do not publish sponsored content. Our plan recommendations are generated by our cost model from federal data, not by who pays us — no insurer can pay to be recommended, ranked higher, or reviewed favorably. Advertising, if any appears on the site, never influences our guidance or our research.
AI Disclosure
Our research library is drafted and fact-checked by the Verd Policy Team. We use software tools in the editorial process, but every published claim is verified by a person against the primary sources listed above. The AI assistant inside the Verd product is a separate feature: it helps users navigate their own plan data and is not used to generate the research articles on this site.
Questions
Questions about this policy or our methodology? Reach us through the contact page. To learn more about how our recommendation engine works, see the about page.