Standards
Editorial policy
The rules this site holds itself to: what counts as a source, how numbers stay current, when a guide gets re-reviewed, and how errors get fixed.
Last updated 2026-09-01
Sourcing
Factual claims are sourced to primary documents wherever one exists. In practice that means:
- Tax figures: IRS notices, revenue procedures and publications.
- Marketplace and Medicare rules: CMS regulations and HealthCare.gov.
- Insurance rules: state department of insurance bulletins and the NAIC model acts.
- Credit reporting: the Fair Credit Reporting Act and CFPB guidance.
- Product mechanics: the actual policy or plan document, not the sales page.
Every guide lists its sources at the bottom with direct links. Secondary sources are used only for context, and are labelled as such. We do not cite other blogs as evidence for a number.
Numbers and how they stay current
Contribution limits, deduction amounts and thresholds are not written into the prose of individual articles. They live in one shared data file that every guide reads from, together with the source citation for each figure. That means an annual refresh is a single edit, and a stale number cannot hide in an article nobody has opened for a year. The file was last checked against the primary sources on 2026-09-01.
Sources sometimes genuinely disagree. Enrolment deadlines are a recurring example, since state exchanges set their own. In those cases guides present the disagreement and tell you where to confirm, instead of asserting one version.
Dates on every page
Each guide shows its publication date and, once it has been re-checked, a review date. A review date means a human re-read the guide against current rules, not that a word was changed to refresh the timestamp. We do not re-date articles to game freshness signals.
Review cycle
- Every November: all tax, contribution and insurance figures, when the IRS publishes the next year's inflation adjustments.
- Every October: health insurance guides, ahead of Marketplace open enrolment.
- Annually: everything else, plus immediately after any rule change we are aware of.
What this site is not
Coverledger publishes general educational information. It is not personalised financial, tax, legal or insurance advice; we are not a registered investment adviser, a licensed insurance producer acting for you, or your fiduciary; and reading the site does not create a professional relationship. Rules and products vary by state and by your circumstances. See the full disclaimer.
Independence
No advertiser, insurer or broker gets to review, approve, alter or influence a guide before it publishes. Nothing on this site is a paid placement, and no advertiser can buy a mention, a ranking or a recommendation. Advertising is served by a third-party network, appears in and around articles, and every slot is labelled “Advertisement”. We do not choose which ads you see and they are not endorsements. If affiliate links are ever introduced, a disclosure appears at the top of every page carrying one, and no recommendation will be ordered by commission.
AI use
Drafting tools are used in production of this site. Every published figure is checked against the primary source by a human before it goes live, and nothing publishes on the strength of a model's recollection alone. If you find something wrong, that is a failure of our checking, and we want to know.
Corrections
Errors get fixed quickly and visibly. Material corrections, meaning anything that could have changed a reader's decision, are noted in the article with the date and what changed. Typos and clarity edits are made silently.
Found a mistake? Tell us with the page and, if you have it, the source that shows the correct position. Reader corrections are the fastest way this site gets better.
Byline
Guides are attributed to The Coverledger Editorial Team. No individual credentialed author is claimed, because none currently stands behind the content. We would rather show an honest team byline than invent an expert.