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How the notes are written

Each note starts from the policy form or the public program rule, not from a carrier’s advertisement. We name the difference between a federal program and a private plan when that difference changes what you pay. We say when a rule is state-specific instead of pretending there is one national version.

We do not accept payment for a mention inside a note. Ads loaded by the header tag are labeled by the ad system, not written to look like articles. If a sentence goes stale because a federal window or a form changed, we would rather correct the page than leave a tidy but wrong explanation.