Corrections & Updates Log

A public, dated record of every factual correction and update made to Kibbo's published guides — what changed and why.

Every figure in a Kibbo guide is checked against its original source before it's published. When a figure, deadline, or legal fact in a published guide turns out to be wrong, or changes after publication, the guide is corrected and the change is recorded here, newest first. Typo and formatting fixes aren't listed; changes to facts are.

Spotted something that looks out of date? See who writes Kibbo's guides and how they're checked.

  1. What Does It Really Cost to Get Sick? — Classroom Exercises

    What changed: The teacher answer key gave the 2025 ACA out-of-pocket maximum for self-only coverage as $9,450.

    Correction: The 2025 limit for self-only coverage is $9,200. $9,450 was the 2024 limit.

    Source: CMS, 2025 Premium Adjustment Percentage, Maximum Annual Limitation on Cost Sharing, Reduced Maximum Annual Limitation on Cost Sharing, and Required Contribution Percentage Guidance (PDF).

  2. Consumer Data Library

    What changed: Data-quality fixes across three dataset files, made ahead of building classroom exercises on them. Streaming Pricing Dataset: corrected a rounding error in percent_change on 4 rows (Prime Video monthly membership, Prime Video Ultra, Apple TV+ Standard, ESPN+), flagged Prime Video's "Annual membership" rows as annual rather than monthly prices, and updated the README to describe both of the dataset's confirmed ESPN pricing gaps instead of one. US Airline Reliability Dataset: split the single CSV (which stacked three tables and broke spreadsheet/pandas imports) into three files — the main ranking, a year-over-year comparison, and Spirit Airlines' monthly on-time rate — moved its source citation into a new README, and documented the tie-break order behind the composite score so it can be reproduced from the published data. Healthcare Cost Dataset: corrected a note on the US appendectomy Layer C row that incorrectly claimed it was the Layer B source for the US base case, contradicting its own layer label and the article, which uses separate CMS-sourced figures as the US's Layer B. No headline finding in any of the three investigations changed.

    Why: A pre-publication data-quality pass ahead of building classroom exercises on these datasets, where every derived value needs to match the underlying data exactly.

    Clarification: The US Airline Reliability Dataset's README originally described its bumped_per_10000 tie-break order as drawn from the airlines' underlying DOT figures at finer precision. That's not accurate — the unrounded values used to build the original ranking were never retained. The order published in the README was reconstructed after the fact by finding the one ordering that reproduces all 9 published composite_score values exactly; the README has been corrected to say so.

  3. What Does It Really Cost to Get Sick? US, UK, Germany & Spain Compared

    What changed: Corrected several figures in the section on the US healthcare system and the ACA. The December 11, 2025 Senate vote on extending the enhanced premium tax credits had four Republican senators in favor, not two, and the article had mixed this up with a separate House discharge petition. Removed a "114%" premium figure that had been attributed to the Congressional Budget Office and could not be verified; the article now says analysts projected that average premium payments for subsidized enrollees would more than double. The CBO estimate of 4.2 million more uninsured people now reads "by 2034" instead of "2034–2035". The Medicaid expansion count is now 40 states plus the District of Columbia, not "41 states", and we removed a statement about the political control of the ten states that have not expanded Medicaid, which we had not verified. We also added the January 2026 House vote (230–196, with 17 Republicans in favor) and the status of the Senate talks.

    Why: After publication, the figures in that section were re-checked against reporting from Health Affairs Forefront, CNBC and CBS News, and against KFF's Medicaid expansion tracker. Several did not match those sources. The information about the status of the tax credits reflects reporting up to spring 2026.

  4. Trapped in a Subscription? The Legal Phrasing That Forces Stubborn Companies to Cancel Your Account

    What changed: Removed the citation of the FTC's 2024 Click-to-Cancel amendments as current law. The article's legal-phrasing guidance and its sample escalation letter now cite the FTC's Negative Option Rule instead.

    Why: The Eighth Circuit vacated the 2024 Click-to-Cancel amendments in July 2025, and the FTC's February 2026 final action restored the Negative Option Rule as it stood before them. Citing a vacated rule in a demand letter would have undermined the letter.

  5. The Subscription You Thought You Cancelled: What to Do When the Charges Keep Coming

    What changed: The paragraph on reporting a company to the FTC no longer presents the Click-to-Cancel rule as adopted and in force; it now states that the rule was vacated.

    Why: The Eighth Circuit vacated the 2024 Click-to-Cancel amendments in July 2025.

  6. The Fine Print That Signs Away Your Rights: Forced Arbitration and the Click You Don't Remember

    What changed: Two paragraphs that described the Click-to-Cancel rule as active and "still being appealed" now state that it was vacated and that the FTC has restarted the rulemaking.

    Why: The Eighth Circuit vacated the 2024 Click-to-Cancel amendments in July 2025, so the rule was no longer under appeal or in force.

  7. Cancellation Letter Pack (template)

    What changed: The product description no longer presents the FTC's 2024 Click-to-Cancel amendments as current law; it now refers to the FTC's Negative Option Rule.

    Why: The Eighth Circuit vacated the 2024 Click-to-Cancel amendments in July 2025.

  8. Which US airline performed worst in 2026? We ranked all 9 on the DOT's own data.

    What changed: Removed the statement that Spirit Airlines was in an ongoing merger process with Frontier, and added an update note at the top of the investigation.

    Why: The merger statement was wrong: Spirit ceased all operations on May 2, 2026 and entered liquidation after failing to secure a federal bailout.