Contact

This page describes how to reach the editorial and research staff responsible for nationalhealthinsuranceauthority.com, outlines the geographic scope of the information published here, and explains what to include in a message to receive a useful response. The site functions as a reference hub for health insurance consumers, employers, and researchers navigating the structure of coverage in the United States, with three specialized member resources covering distinct plan architectures in depth.

How to reach this office

Correspondence related to editorial content, factual corrections, research inquiries, and resource suggestions is accepted by email. The contact address for general inquiries is [email protected]. Messages submitted through this channel are reviewed by the editorial team responsible for maintaining accuracy across the reference library.

The three specialized member sites within this network handle subject-specific inquiries for their respective plan categories:

• HMO Authority — Health Maintenance Organization Plan Reference covers the structural rules, gatekeeper requirements, referral procedures, and cost characteristics of HMO plans. Readers with questions about primary care coordination or network-only coverage models should consult this resource directly before submitting a general inquiry.

• EPO Authority — Exclusive Provider Organization Plan Reference addresses EPO plan mechanics, including the absence of out-of-network benefits, the elimination of referral requirements, and how EPO networks are built and contracted. Questions about plans that combine closed networks with direct specialist access are best directed to or informed by this resource.

• HDHP Authority — High-Deductible Health Plan and HSA Reference covers high-deductible plan thresholds set annually by the IRS, Health Savings Account contribution rules, and the interaction between deductible structure and out-of-pocket cost accumulation. Inquiries about HSA-qualified plans or cost-sharing mechanics in consumer-directed coverage belong in this resource's scope.

For matters involving plan-type comparisons across all three architectures, the editorial team at nationalhealthinsuranceauthority.com handles cross-cutting inquiries.

Service area covered

The information published on this site applies to health insurance operating under United States federal law, including coverage regulated by the Affordable Care Act, ERISA, HIPAA, and state insurance codes across all 50 states and the District of Columbia. The site does not provide guidance specific to any single state's regulatory program, though individual pages note state-level variation where it is material — for example, the treatment of state-mandated benefits and the role of state insurance departments.

The site does not cover international health coverage, travel insurance, or workers' compensation. Medicare and Medicaid are addressed in the context of transitions and eligibility intersections with private coverage — for example, choosing a plan at age 65 during a Medicare transition and Medicaid expansion eligibility — but are not the primary subject of this reference library.

What to include in your message

A complete message allows the editorial team to route and respond efficiently. Include the following 4 elements:

1. The specific page or topic — Identify the page URL or topic title in question. Vague references to "health insurance content" require back-and-forth that delays responses.
2. The nature of the inquiry — State clearly whether the message concerns a factual correction, a missing topic suggestion, a broken link, a source citation question, or a licensing inquiry. Each type is handled by a different part of the editorial workflow.
3. Supporting documentation for factual disputes — If a correction is being proposed, include the specific claim believed to be inaccurate and the named public source — such as a statute number, a named federal agency publication, or a specific IRS Revenue Procedure — that supports the correction. Claims unsupported by a named source are logged but not prioritized.
4. Contact information — Include a reply email address. Anonymous submissions are read but cannot receive a direct response.

Messages that do not identify a specific page or claim are filed under general feedback and addressed when editorial bandwidth permits, which may take longer than targeted inquiries.

Response expectations

The editorial team reviews incoming messages 5 days per week, excluding federal holidays. Targeted factual correction requests with supporting documentation receive a response acknowledging receipt within 3 business days. Resolution — meaning either a correction published or a reasoned explanation for why no change was made — follows within 15 business days of acknowledgment for standard cases.

Topic suggestion requests are logged and evaluated against the existing content roadmap. Not every suggested topic results in a published page, but all suggestions inform editorial prioritization. A response confirming receipt is sent within 5 business days; a decision on whether the topic will be developed is communicated within 30 days.

Licensing and republication inquiries are handled separately from editorial corrections. Those requests should identify the specific content at issue, the intended use, and the organization making the request. Responses to licensing inquiries are provided within 10 business days.

The site does not provide personalized insurance advice, plan recommendations, or guidance on specific claims disputes. Readers seeking help navigating a claim denial can consult the reference pages on how to appeal a claim denial and the external review process for denied claims. Readers seeking enrollment guidance can consult the navigators and brokers reference page, which describes the federally recognized roles available to assist consumers at no direct cost under ACA provisions.

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The law belongs to the people. Georgia v. Public.Resource.Org, 590 U.S. (2020)