We built InsuranceShield as an independent reference layer between households and the US insurance market — grounded in public regulatory data, not carrier commissions.
InsuranceShield doesn't sell policies or earn carrier commissions. Our simulators and frameworks are built from publicly available rate filings, regulatory reference structures and generalized actuarial patterns — so the incentive is accuracy, not conversion.
We publish our assumptions, update our models quarterly, and clearly label every estimate as a projection rather than a bindable quote.
Rate and form filings submitted by carriers to state insurance departments.
Standardized product and coverage terminology used across the industry.
Published metal-tier actuarial value ranges from the federal marketplace.
Every figure is labeled as an estimate. We never present a projection as an offer.
Regulatory and actuarial concepts are translated into terms a household can act on.
Assumptions behind the simulator are revisited as new filing data becomes available.
References to NAIC structures, ACA tiers or state filing practices summarize public regulatory concepts. They do not constitute legal, financial or insurance advice specific to your policy.
Quarterly notes on model changes and regulatory data updates.