Data sources

    Where OpenPayer’s
    data comes from

    Every page on OpenPayer traces back to an authoritative source: payer-published policy documents, federal datasets, and the standard industry code registries. This page lists those sources and explains how each one is used.

    See the sourcesAbout OpenPayer
    • Primary sources
    • How we use it
    • Payer directory
    • FAQ

    Primary sources

    The sources behind each data family

    OpenPayer does not invent data. Each part of the platform is built from a small set of authoritative sources, listed here with links to the originals.

    Policy documents

    Medical policies, prior authorization requirements, clinical criteria, and provider bulletins come directly from each payer’s published policy library. OpenPayer ingests these publications daily and turns them into structured, searchable pages that keep the payer, policy number, and effective dates visible. The payer directory below lists every payer whose publications feed the platform.

    Browse the live policy feed

    Payers and market data

    Payer profiles combine regulator filings and federal datasets: NAIC market share reports supply premium and market position figures, and CMS enrollment and marketplace data supply plan participation. Subsidiary and state presence details come from the same filings.
    • 2024 Market Share Reports for the Top Accident and Health Insurance Groups and Companies by State and CountrywideNational Association of Insurance Commissioners (NAIC)
    • Health Insurance Exchange Public Use Files (Exchange PUFs)Centers for Medicare & Medicaid Services (CMS)

    Browse payer profiles

    Billing codes

    Code pages are grounded in the standard industry code sets: CPT from the American Medical Association, HCPCS Level II and its quarterly updates from CMS, ICD-10-CM and ICD-10-PCS from CMS, and the MS-DRG definitions used in Medicare inpatient payment.
    • CPT® Codes and DescriptionsAAPC
    • HCPCS Quarterly UpdateCenters for Medicare & Medicaid Services (CMS)
    • ICD-10-CM Full Code ListCenters for Medicare & Medicaid Services (CMS)

    Browse billing codes

    Providers and facilities

    Facility profiles are built from CMS provider enrollment and certification data and Medicare cost report filings, which supply ownership, bed counts, financials, and payer mix. NPI network figures come from the NPPES registry.

    Browse facilities

    Provider taxonomies

    Taxonomy pages follow the NUCC Health Care Provider Taxonomy code set, the registry payers and CMS use for credentialing and claims routing, paired with NPI registration counts from NPPES.
    • Health Care Provider Taxonomy Code SetNational Uniform Claim Committee (NUCC)

    Browse taxonomy codes

    State markets

    State pages draw on Census Bureau coverage estimates, NAIC state-level market share reports, and CMS datasets to describe payer concentration and coverage demographics in each state.
    • S2703: Private Health Insurance Coverage by Type and Selected CharacteristicsU.S. Census Bureau, 2024 American Community Survey 5-Year Estimates
    • 2024 Market Share Reports for the Top Accident and Health Insurance Groups and Companies by State and CountrywideNational Association of Insurance Commissioners (NAIC)

    Browse state pages

    How we use it

    From source document to cited page

    The same discipline applies to every data family. If you want the longer version, the about page walks through the full pipeline.

    1. 01

      Ingest

      Payer publications are pulled daily; federal datasets and code registries are pulled as they release updates.

    2. 02

      Normalize

      Documents and datasets are validated and structured into pages for payers, codes, facilities, states, and policies.

    3. 03

      Cite

      Pages carry a references section with the source organization, document title, link, and retrieval date.

    4. 04

      Refresh

      Effective dates stay visible on every policy entry, so you can always verify against the original document.

    Payer directory

    Policy sources: 166 payers

    Every publisher whose documents feed the live policy feed. The domains below are derived directly from the source URLs of the policies on OpenPayer, so each one links the site the documents actually come from.

    • UnitedHealthcareuhcprovider.com5,885 policies
    • Cignastatic.cigna.com2,945 policies
    • Colorado Rocky Mountain Health Plansuhcprovider.com2,883 policies
    • Neighborhood Health Plan Of Rhode Islandnhpri.org2,682 policies
    • Premera Bluecrosspremera.com2,293 policies
    • Centeneambetterhealth.com1,916 policies
    • Anthemanthem.com1,675 policies
    • MHNhealthnet.com1,522 policies
    • Blue Cross Blue Shield - North Carolinabluecrossnc.com1,503 policies
    • Blue Cross Blue Shield - Rhode Islandbcbsri.com1,361 policies
    • Ambetter Georgiaambetterhealth.com1,037 policies
    • Health Nethealthnet.com827 policies
    • Mass General Brigham Health Planresources.massgeneralbrighamhealthplan.org805 policies
    • Blue Cross Blue Shield - Massachusettsbluecrossma.org794 policies
    • Aetnaaetna.com719 policies
    • Capital Bluecrosscapbluecross.com717 policies
    • Priority Healthpriorityhealth.stylelabs.cloud707 policies
    • Blue Cross Blue Shield - Iowadigital-assets.wellmark.com677 policies
    • EmblemHealthemblemhealth.com667 policies
    • Blue Cross Blue Shield - Oklahomabcbsok.com649 policies
    • AvMedshc-p-001.sitecorecontenthub.cloud640 policies
    • Blue Cross Blue Shield - New Mexicobcbsnm.com610 policies
    • Blue Cross Blue Shield - Tennesseebcbst.com607 policies
    • Blue Cross Blue Shield - Nebraskamedicalpolicy.nebraskablue.com529 policies
    • Fidelis Carefideliscare.org498 policies
    • Blue Cross Blue Shield - Maineanthem.com484 policies
    • Providence Health Planprovidencehealthplan.com476 policies
    • CareSourcecaresource.com446 policies
    • Sierra Health And Lifehealthplanofnevada.com436 policies
    • Kaiser Permanentewa-provider.kaiserpermanente.org419 policies
    • Meridianilmeridian.com385 policies
    • Viva Healthvivahealth.com367 policies
    • Blue Cross Blue Shield - Michiganbcbsm.com362 policies
    • Blue Cross Blue Shield - Wisconsinanthem.com348 policies
    • Eoccomodahealth.com347 policies
    • Univerahealthcareprovider.univerahealthcare.com342 policies
    • Careoregoncareoregon.org326 policies
    • Humanadctm.humana.com326 policies
    • Medical Mutual - Ohiomedmutual.com290 policies
    • Optumpublic.providerexpress.com265 policies
    • AmeriHealth Caritasamerihealthcaritasde.com261 policies
    • Select Healthselecthealthofsc.com260 policies
    • Bluecross Idahoproviders.bcidaho.com256 policies
    • QualChoicequalchoice.com256 policies
    • Arizona Complete Healthazcompletehealth.com251 policies
    • Baylor Scott & White Health Planwadcdnstorageprod.blob.core.windows.net221 policies
    • Florida Bluefiles.guidewell.com221 policies
    • Blue Cross Blue Shield - Louisianaproviders.lablue.com214 policies
    • Ambetter Nevadaambetterhealth.com212 policies
    • Moda Health Plan Incmodahealth.com208 policies
    • Harvard Pilgrim Health Carepoint32health.org206 policies
    • Blue Cross Blue Shield - Texasbcbstx.com200 policies
    • Fallon Community Health Plan Incfallonhealth.org193 policies
    • Independent Healthfm.formularynavigator.com185 policies
    • Blue KCurldefense.com182 policies
    • Northwoodnorthwoodinc.com171 policies
    • Highmark Blueshield Nenyproviders.highmark.com168 policies
    • Moda Healthmodahealth.com168 policies
    • Care Continuumnetworkhealth.com160 policies
    • Mediviewcurative8404669.fs1.hubspotusercontent-na1.net159 policies
    • Blue Cross Blue Shield - Kansasbcbsks.com157 policies
    • Medimpactkyportal.medimpact.com:443153 policies
    • Blue Cross Blue Shield - Illinoisbcbsil.com141 policies
    • Allcareadvantageallcarehealth.com136 policies
    • Husky Healthhuskyhealthct.org131 policies
    • Blue Cross Blue Shield - South Carolinasouthcarolinablues.com129 policies
    • Evicoreevicore.com127 policies
    • CareSource Georgiacaresource.com123 policies
    • Hawaii Medical Service Association (HMSA)caremark.com123 policies
    • Oscar Healthassets.ctfassets.net121 policies
    • Molina Healthcaremolinahealthcare.com119 policies
    • Highmark Blue Cross Blue Shield Wnyproviderpublic.mybcbswny.com118 policies
    • Blue Cross Blue Shield - Nevadaanthem.com113 policies
    • Community-Careccok.com113 policies
    • Community Health Plan Washingtonpolicies-wellcare.com112 policies
    • Partners Health Managementnetwork.carolinacompletehealth.com112 policies
    • SelectHealthselecthealth.org107 policies
    • Blue Cross Blue Shield - South Dakotadigital-assets.wellmark.com102 policies
    • HealthPartnershealthpartners.com101 policies
    • Peach State Health Planpshpgeorgia.com100 policies
    • Empire Bluecrossanthembluecross.com99 policies
    • WellCarepolicies-wellcare.com99 policies
    • Health-New-Englanddnnm9z9xy.blob.core.windows.net93 policies
    • CareFirstsluggishly-feal-opal.ngrok-free.dev91 policies
    • UCareucm-p-001.sitecorecontenthub.cloud87 policies
    • Amerigroupprovider.amerigroup.com84 policies
    • University Health Alliance (HSA)uhahealth.com75 policies
    • Aspirus Ariseucm-p-001.sitecorecontenthub.cloud74 policies
    • Sanfranciscohealthplansfhp.org74 policies
    • Kernfamilyhealthcareres.cloudinary.com71 policies
    • Aloha Carealohacare.org68 policies
    • Geisinger Health Plangeisinger.org65 policies
    • Healthfirsthfproviders.org63 policies
    • Integrated Home Care Servicesicarehealthplan.org59 policies
    • Delaware First Healthdelawarefirsthealth.com55 policies
    • AmeriHealthamerihealth.com54 policies
    • Medstarfamilychoicedistrictofcolumbiamedstarfamilychoicedc.com54 policies
    • Healthnetnationalproviderlibrary.healthnetcalifornia.com42 policies
    • Simplyhealthcareprovider.simplyhealthcareplans.com41 policies
    • Alacura Medical Transportation Managementbcbsmt.com38 policies
    • Meridian Health Plan Of Michiganmimeridian.com38 policies
    • Vns Healthvnshealthplans.org38 policies
    • WPS Health Insurancewpshealth.com36 policies
    • Lucetlucethealth.com32 policies
    • Blue Cross Blue Shield - Arizonaassets.azblue.com28 policies
    • Health Alliance Plan (HAP)edge.sitecorecloud.io28 policies
    • Mclaren Health Planmclarenhealthplan.org26 policies
    • Orthonetmyoptumhealthphysicalhealth.com26 policies
    • Highmark Pennsylvaniaproviders.highmark.com25 policies
    • Quartzquartzbenefits.com25 policies
    • MVP Health Caremvphealthcare.com24 policies
    • Blue Cross Blue Shield - Alabamaal-policies.exploremyplan.com23 policies
    • Marylandphysicianscarempcmarylandphysicianscare.com23 policies
    • Blue Cross Blue Shield - North Dakotabcbsnd.com21 policies
    • Memorialcareselecthealthplanmemorialcareselecthealthplan.org21 policies
    • Bannerhealthandaetnahealthinsurancecompanyaetna.com20 policies
    • Denver-Health-Medical-Plandenverhealthmedicalplan.org20 policies
    • Hometownhealthprovidershometownhealth.com20 policies
    • Imperialinsurancecompanyofutahdocuments.imperialhealthplan.com20 policies
    • Longevityhealthplanofcoloradolongevityhealthplan.com20 policies
    • Wellsense Health Planwellsense.org20 policies
    • Dentaquestdentaldentaquest.com19 policies
    • Healthfirstofnewyorkhfproviders.org19 policies
    • Highmark Delawareproviders.highmark.com18 policies
    • Alliant Healthalliantplans.com17 policies
    • Blue Cross Blue Shield - Wyominge52zknbx2is.exactdn.com17 policies
    • Independence Administratorsibx.com16 policies
    • Johns Hopkins Health Planshpo-docs.jh.edu15 policies
    • Scrippshealthplanscrippshealthplan.com15 policies
    • American Specialty Healthashlink.com12 policies
    • Chocchildrenshospitalorangecountyhealthalliancealliancehealthplan.org12 policies
    • Sanford Health Plansanfordhealthplan.com11 policies
    • Blue Cross Blue Shield - Minnesotamn-policies.exploremyplan.com10 policies
    • Highmark West Virginiaproviders.highmark.com10 policies
    • Astivahealthastivahealth.com9 policies
    • Hennepinhealthhennepinhealth.org9 policies
    • Centralcaliforniaallianceforhealththealliance.health8 policies
    • Globalhealthglobalhealth.com8 policies
    • Prominencehealthfirstoffloridaprominencehealthplan.com8 policies
    • Sharp-Health-Plansharphealthplan.com8 policies
    • Westernhealthadvantagewesternhealth.com8 policies
    • Avalon Healthcare Solutionsavalonhcs.com7 policies
    • Carolina Complete Health Inccarolinacompletehealth.com7 policies
    • Presbyterian Health Planonbaseext.phs.org7 policies
    • Carefirst Bluecross Blueshield Advantage Dualprimecarefirst.com6 policies
    • Michiganconferenceofteamsterswelfarefundteamsterscare.com5 policies
    • Networkhealthplanofwisconsinincnetworkhealth.adaptiverx.com5 policies
    • Beacon-Health-Optionscarelonbehavioralhealth.com4 policies
    • Medicagatewaypa.com4 policies
    • Network Healthnetworkhealth.com4 policies
    • Align Powered By Sanford Health Plansanfordhealthplan.com3 policies
    • Independence Blue Crossibx.com3 policies
    • Allcarehealthccoallcarehealth.com2 policies
    • Blue Cross Blue Shield - Mississippiwebstatic.bcbsms.com2 policies
    • Blue Care Network Of Michiganbcbsm.com2 policies
    • Eternalhealtheternalhealth.com2 policies
    • Healthymissisippiselecthealth.adaptiverx.com2 policies
    • Libertydentalplanlibertydentalplan.com2 policies
    • Magellan Healthcaremagellanprovider.com2 policies
    • Theholemangroupholmangroup.com2 policies
    • Westernsouthernfinancialgroupwesternsouthern.com2 policies
    • CHPhealthnet.com1 policy
    • Cohere Healthresources.coherehealth.com1 policy
    • Libertyadvantagenorthcarolinalibertyadvantageplan.com1 policy
    • Nascentiahealthmedicarenascentiahealth.org1 policy
    • UPMC Health Planupmchealthplan.com1 policy

    Government & regulatory sources: 52

    Alongside commercial payers, OpenPayer ingests coverage rules from public programs and regulators: state Medicaid agencies, insurance departments, and other government bodies whose bulletins and regulations shape coverage in their states.

    • New Mexico Health Care Authorityhca.nm.gov2,219 policies
    • Mississippi Division Of Medicaidmedicaid.ms.gov1,604 policies
    • Illinois Department Of Healthcare And Family Serviceshfs.illinois.gov1,387 policies
    • Montana Department Of Public Health & Human Servicesdphhs.mt.gov1,085 policies
    • West Virginia Bureau For Medical Services (Department Of Human Services)bms.wv.gov770 policies
    • Hawaii Department Of Human Servicesmedquest.hawaii.gov462 policies
    • Pennsylvania Insurance Departmentpa.gov443 policies
    • Executive Office Of Health And Human Serviceseohhs.ri.gov420 policies
    • South Carolina Department Of Insurancedoi.sc.gov271 policies
    • Kansas Department Of Health And Environmentkdhe.ks.gov242 policies
    • Georgia Department Of Community Healthdch.georgia.gov230 policies
    • Delaware Department Of Insuranceinsurance.delaware.gov200 policies
    • Alaska Medicaidextranet-sp.dhss.alaska.gov191 policies
    • Medicarecms.gov167 policies
    • Alliance Healthmedicaid.ncdhhs.gov139 policies
    • Iowa Department Of Health And Human Serviceshhs.iowa.gov114 policies
    • Florida Office Of Insurance Regulationfloir.gov113 policies
    • Alabama Department Of Insurancealdoi.gov111 policies
    • Health Care Access Bureau And Bureau Of Managed Care, Division Of Insurancemass.gov104 policies
    • Masshealthmass.gov78 policies
    • Washington Office Of The Insurance Commissionerinsurance.wa.gov78 policies
    • Kentucky Department Of Insuranceinsurance.ky.gov69 policies
    • South Carolina Department Of Health And Human Servicesscdhhs.gov65 policies
    • Alabama Medicaidmedicaid.alabama.gov62 policies
    • North Carolina Department Of Insurancencdoi.gov53 policies
    • Nebraska Department Of Insurancedoi.nebraska.gov49 policies
    • Maryland Medicaid (Maryland Department Of Health)health.maryland.gov48 policies
    • Arkansas Insurance Departmentportal.insurance.arkansas.gov42 policies
    • Division Of Financial Regulation, Department Of Consumer And Business Servicesdfr.oregon.gov41 policies
    • Oregon Health Authorityoregon.gov34 policies
    • Alliance Health Ncmedicaid.ncdhhs.gov30 policies
    • Elderplanomh.ny.gov30 policies
    • Clearhealthalliancemedicaid.ncdhhs.gov27 policies
    • District Of Columbia Department Of Insurance, Securities And Bankingdisb.dc.gov27 policies
    • Coloradoaccessmedicaid.gov26 policies
    • Louisiana Department Of Insuranceldi.la.gov20 policies
    • California Department Of Health Care Servicestrailerbill.dof.ca.gov19 policies
    • Insurance Division, Department Of Commerce And Consumer Affairscca.hawaii.gov13 policies
    • Healthplanofsanjoaquinmedi-calrx.dhcs.ca.gov12 policies
    • Healthchoiceoklahomaoklahoma.gov8 policies
    • Idaho Department Of Health And Welfareidmedicaid.com8 policies
    • Nevada Division Of Insurancedoi.nv.gov8 policies
    • Healthchoiceofoklahomaoklahoma.gov7 policies
    • Metroplushealthomh.ny.gov4 policies
    • Colorado Division Of Insuranceleg.colorado.gov3 policies
    • Iowa Insurance Divisioniid.iowa.gov2 policies
    • Publicemployeebenefitauthoritypeba.sc.gov2 policies
    • Wellcare Hawaiimedicare.gov2 policies
    • Alliance Health (LME-MCO)medicaid.ncdhhs.gov1 policy
    • Alliance Health (LME/MCO)medicaid.ncdhhs.gov1 policy
    • Colorado Department Of Health Care Policy & Financingmedicaid.gov1 policy
    • Vermont Department Of Financial Regulation – Insurance Divisionlegislature.vermont.gov1 policy

    157 payer profiles with market data

    This is a different universe than the policy publishers above, which is why the counts differ. Profiles cover the payer groups in the NAIC market share data (an insurer like Anthem appears above under its own name, but its profile lives under its parent group). Each profile carries premiums, state footprint, membership context, and linked policies.

    • Alignment Healthcare Holdings Group
    • American Financial Security Life Insurance Company
    • American Health Company Inc Group
    • AmFirst Holdings Group
    • Arkansas BlueCross BlueShield Group
    • Ascension Health Group
    • Avera Health Plans Inc
    • Benecare Dental Plans Group
    • BlueCross BlueShield of Alabama Group
    • BlueCross BlueShield of Arizona Inc
    • BlueCross BlueShield of Kansas Group
    • BlueCross BlueShield of Kc Group
    • BlueCross BlueShield of Massachusetts Group
    • BlueCross BlueShield of Michigan Group
    • BlueCross BlueShield of Minnesota Group
    • BlueCross BlueShield of Nebraska Group
    • BlueCross BlueShield of New Jersey Group
    • BlueCross BlueShield of North Carolina Group
    • BlueCross BlueShield of North Dakota
    • BlueCross BlueShield of Rhode Island
    • BlueCross BlueShield of South Carolina Group
    • BlueCross BlueShield of Tennessee Group
    • Boston Medical Center Health Plan Inc
    • Bupa Insurance Company
    • Cambia Health Solutions Inc
    • Capital Blue Cross Group
    • Carefirst Inc Group
    • Caresource Group
    • Carle Holding Company Group
    • Cascade Comprehensive Care Group
    • CDPHP Inc Group
    • Centene Corporation Group
    • Che Trinity Inc Group
    • Christus Health Group
    • Cigna Health Group
    • Clover Health Group
    • Commonwealth Care Aliance Group
    • Community Health Network Group
    • Comprehensive Mobile Insurance Company Inc
    • Corewell Health Group
    • Curative Inc Group
    • CVS Group
    • Delta Dental of Kansas Group
    • Delta Dental of Rhode Island Group
    • Delta Dental Plan of Illinois Group
    • Delta Dental Plan of Missouri Group
    • Delta Dental Plan of New Jersey Group
    • Dental Health Services
    • Dentegra Group
    • Devoted Health Group
    • Educators Mutual Group
    • Elderplan Inc
    • Elevance Health Inc Group
    • Elixir Insurance Company
    • Emblem Health Group
    • Eternal Health Group
    • Fallon Group
    • First Continental Life & Accident
    • First Medical Health Plan Inc
    • Geisinger Insurance Group
    • Gemstone Holdings Group
    • Globe Life Inc Group
    • Gold Kidney Health Plan Inc Group
    • Granular Insurance Company
    • Group 1001 Insurance Holdings Group
    • Guardian Life Group
    • GuideWell Mutual Holding Group
    • Harris Health Group
    • Hawaii Medical Services Association
    • HCSC Group
    • Health One Alliance Group
    • Health Plan Group
    • Health Share of Oregon
    • HealthFirst Inc Group
    • HealthPartners Group
    • Henry Ford Health System Group
    • Highmark Group
    • Humana Group
    • IHC Inc Group
    • Imperial Cos Group
    • Independence Health Group Inc Group
    • Independent Health Association Group
    • Innovative Long Term Care Management Group
    • Kaiser Foundation Group
    • Liberty Dental Plan Group
    • Lifetime Healthcare Group
    • Longevity Health Group
    • Louisiana Health Services Group
    • Lumeris Group Holdings Corporation Group
    • M Mele Group
    • Magna Insurance Company
    • Martins Point Generations Advantage
    • Mass Gen Brigham Health Plan Group
    • McLaren Health Group
    • Medica Group
    • Medical Associates Group
    • Medical Card System Inc Group
    • Medical Mutual of Ohio Group
    • Medstar Family Choice
    • Mercy Health Corporation Group
    • Metropolitan Group
    • Mississippi Insurance Group
    • Molina Healthcare Inc Group
    • Montana Health Cooperative
    • Motivhealth Insurance Company
    • Mutual of Omaha Group
    • MVP Group
    • National Healthcare Corporation Group
    • National Preventive Solutions Corporation
    • Neighborhood Health Plan of Rhode Island Inc
    • Nippon Life Insurance Company of American
    • Northeast Delta Dental Group
    • Oregon Dental Services Group
    • Oscar Health Inc Group
    • PacificSource Health Plan Group
    • Perennial Consortium LLC Group
    • Physicians Mutual Group
    • Point32Health Inc Group
    • Premera Blue Cross Group
    • Presbyterian Healthcare Services Group
    • Principal Financial Group
    • ProMedica Health System Group
    • Providence Health Group
    • Provider Partners Health Group
    • Renaissance Health Services Corporation Group
    • Sanford Health Group
    • Scan Group
    • Scott & White Group
    • SDC Holdings Group
    • Security Health Plan of Wisconsin Inc
    • Sentara Health Management Group
    • Sidecar Health Insurance Company
    • Signature Advantage LLC
    • Single Vision Solution Inc
    • SNP Holdings LLC Group
    • Southern Guar Insurance Company
    • Stratacor Group
    • Sun Life Financial Inc Group
    • T J University Group
    • Takecare Insurance Company Inc
    • Taro Health Group
    • Tennessee Rural Health Group
    • Texas Childrens Health Plan Inc
    • Timber Products Manufacturers Trust
    • UCare Group
    • Unico Premier Group
    • UnitedHealth Group
    • Universal Health Services Inc Group
    • University Health Care & Gundersen Lut
    • UPMC Health System Group
    • Vision Benefits Group
    • Vision Services Plan Group
    • Wellmark Inc Group
    • Willamette Dental Group
    • Wisconsin Physicians Services Insurance Group
    • WMI Mutual Insurance Company
    • Zing Health Enterprises Group

    FAQ

    Questions about the data

    Straight answers about sourcing, freshness, and citations.

    Billing code pages are built from the standard industry code sets: CPT codes maintained by the American Medical Association, HCPCS Level II codes and quarterly updates published by CMS, ICD-10-CM and ICD-10-PCS code lists from CMS, and MS-DRG definitions used in Medicare inpatient payment. Each code page links the authoritative reference it draws from.

    See the data in action

    Ask a coverage question, open a payer profile, or browse the latest policy updates. No account required.

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