r/HealthInsurance rules, stats, and what to post

This community exists to help people navigate health insurance in the United States, which the description calls complex. The people posting here are mostly individuals trying to find coverage or work through real problems with a plan they already have, like denials, claims, and enrollment questions. The people answering are volunteers, and the rules make clear nobody is getting paid to do this. The description also warns that solicitation leads to a permanent ban, and asks members to report any DM solicitations to the mod team. So this is a help desk, not a marketplace, and the whole community is built around answering questions in public threads.

The rules here are unusually strict, so let me walk through the ones that decide whether a post survives. “Don't attempt to get clients, refer people to your broker, or send people PMs for "more info".” bans using the subreddit to win clients and bans advertising your app, website, or services, even when they are free. “Keep discussion on the subreddit” requires public answers over private messages, and asking for DMs gets an immediate and permanent ban. “No advertising or spamming” says the subreddit exists for genuine discussion, not for companies to promote products. “No affiliate, referral, or broker links” bans affiliate and referral links outright, though clean links to resources are allowed and people may post about their experience with a site. “No LLMs / GenAI” forbids using AI to compose questions, answer questions, or recommend tools, so everything you write here must be your own knowledge. “No Market Research” bans posting about your product idea or asking for feedback on something you are building. “News/research/surveys need pre-approval” means researchers and journalists must contact the mod team first, and product development or business requests are not approved. Finally, “No politics” keeps the room on practical coverage problems rather than policy debates.

Here is the honest answer for a founder: this is one of the hardest rooms on Reddit to market in, and the rules are written to keep it that way. Your product, your link, and your pitch do not belong here, and even a free tool counts as advertising. What you can do is show up as a knowledgeable human. If you genuinely understand US health insurance, answer questions in public threads, explain the reasoning behind your answers, and keep every bit of the conversation on the subreddit. If you have a story about your own experience with a site or a coverage problem, sharing that experience is allowed. If you ever want to share a helpful resource, strip every affiliate and tracking parameter out of the link first. And write every word yourself, because AI generated content is banned here.

The fastest way to get banned is asking anyone to take a conversation to DMs, because that is an immediate and permanent ban. Advertising anything is out, including your app, website, or service, even if it is free. Trying to get clients or asking people to refer a broker to them is banned. Affiliate and referral links are never allowed, and any resource link you share must have tracking stripped out. Do not post market research, product feedback requests, or business requests, because the mod team does not approve those. Do not use AI to draft anything you post here, and do not suggest AI tools to others. Do not give medical or diet advice, and do not turn coverage questions into political debates. Do not suggest contacting the media over insurance disputes, though pointing someone to a state or national regulator is fine. If you are a researcher or journalist, get mod approval before posting anything.

The no AI rule here is the strictest I have seen in any of these guides, and honestly I think it makes sense for a room where a wrong answer can cost someone real coverage. What stands out most is how the whole rulebook is built around one idea, keep the help public and keep the solicitors out. If you show up as a person who genuinely knows this space and never once hints at your product, you will be in rare company.