Disclaimer

Ethikos Insurance publishes general information about insurance for educational purposes only.

Ethikos Insurance is run by Shawn Kiesel, an independent educator. Shawn is not a licensed insurance agent, broker or producer in any state, does not sell insurance, and does not give personal advice. Ethikos Insurance is not affiliated with any insurance company, with HealthCare.gov, or with any government agency.

Nothing on this website or the related YouTube channel is an offer to sell, solicit or negotiate insurance, and nothing here is legal, tax, medical, financial or insurance advice for your specific situation. Coverage depends on your state's laws, your plan, the plan year and the exact language of your plan documents, which can differ from the general descriptions here.

Before making a decision about coverage, read your plan's Summary of Benefits and Coverage or your life insurance policy and illustration, and talk with a licensed insurance professional in your state. Examples and numbers in articles are illustrations, not quotes or predictions of what you will pay or receive.

We work to keep articles accurate and up to date, and each article shows when it was last updated. If you spot an error, please email [email protected].