Every article is written by someone with a real licence and real experience.

Sarah spent 12 years as a licensed property and casualty insurance agent, first in California and then in Texas, before joining PolicyAmericana as Lead Editor. During that career she personally reviewed thousands of insurance policies, guided clients through claims ranging from minor fender-benders to total house fires, and developed a detailed understanding of how insurance companies price risk — and how consumers can use that knowledge when shopping.

At PolicyAmericana, Sarah oversees all editorial content, sets our research methodology, and personally writes and edits our auto insurance coverage. Her approach is rooted in her agent experience: the questions consumers most need answered are precisely the ones the industry is least inclined to answer clearly.

Sarah holds the Certified Financial Planner (CFP) designation and maintains active property and casualty licences in California and Texas. She is based in Austin, Texas.

Marcus spent eight years as a senior underwriter at one of the ten largest property and casualty insurers in the United States. In that role he evaluated risk on commercial and residential property accounts, contributed to rate-setting models for multiple state markets, and spent years reviewing the same exclusions and conditions that consumers later encounter — often for the first time — at the moment of a claim.

That insider perspective shapes everything he writes. Marcus approaches homeowners insurance, business insurance, and renters insurance not as a journalist who spoke to experts, but as someone who was the expert insurers relied on to price their products. He writes to close the information gap between what the industry knows and what policyholders are told.

Marcus holds the Chartered Property Casualty Underwriter (CPCU) designation — the insurance industry’s most rigorous professional credential — and is based in Charlotte, North Carolina.

Dr. Williams holds a PhD in Health Policy from the Johns Hopkins Bloomberg School of Public Health and spent seven years as a senior policy analyst at the Centers for Medicare and Medicaid Services (CMS) — the federal agency that administers the ACA Marketplace, Medicare, and Medicaid. She has read every version of the ACA regulations, reviewed hundreds of insurer rate filings, and seen first-hand where the system leaves Americans confused and underserved.

She joined PolicyAmericana to address a problem she observed throughout her career: most Americans navigating health insurance decisions — choosing an ACA plan during open enrollment, making a Medicare decision at 65, or comparing employer plan options — receive guidance from sources that are either too technical, too promotional, or simply incorrect. Her goal at PolicyAmericana is to make that process genuinely navigable for a real person without a policy background.

Dr. Williams is based in Washington, DC and consults periodically with healthcare policy organisations on ACA implementation and Medicare access.