Terms Of Use

Updated 9-30-2019

Welcome

Through Healthinsurance.com, you can search for numerous types of health insurance plans as well as related products such as telemedicine. We partner with highly respected, licensed agencies to bring you insurance quotes so you can compare what’s available and find what best meets your needs.

Your Agreement

By using our website, you are agreeing to these Terms of Use. You will not use our website for any purpose that is unlawful or in violation of these Terms of Use. You also agree to our Privacy Policy, which covers how we handle your personal information. From time to time, we may update these Terms of Use. When we do, we will post the date on this page. By continuing to use our site, you are agreeing to the updated Terms of Use.

What We Do

We partner with leading health insurance agencies, brokers, and carriers so that you can receive real time quotes for health insurance and related products. When you select a plan, you may be transferred to our business partner’s site, where you can then submit an application. Be sure to read the privacy and terms of use policy for these partners.

We do not sell health insurance directly to you. Your application is processed on our partner’s website or through our partner’s call center/customer support. Nor are we an insurance carrier, so we don’t underwrite your insurance and we don’t process or manage insurance claims. The insurance carrier handles those services.

ACA Insurance

This site is not maintained by or affiliated with the federal government's Health Insurance Marketplace website or any state government health insurance marketplace. For more information about the Patient Protection and Affordable Care Act ("ACA" or "Obamacare"), please refer to http://www.HealthCare.gov.

Obamacare Insurance plans are underwritten by their respective insurance companies. Premium prices, application fees, benefits and availability are set by the insurance company and may vary by state. We do not quote or offer Obamacare plans in all states.

Obamacare is available only during the Open Enrollment Period or if you qualify for a Special Enrollment Period. Obamacare plans are required to cover ten minimum essential benefits and cannot exclude preexisting conditions. Always check whether you are eligible for a subsidy to help pay for your Obamacare premium.

Non-Obamacare Health Insurance

Short Term Health Insurance and Health Benefit Indemnity insurance ("HBI") serve as a flexible and affordable options. Short Term Health Insurance includes major medical type benefits that will protect you in case of an unexpected accident or illness. With Short Term health insurance, you will be covered for medical services including hospital stays, doctors and specialist visits, x-rays, and many other procedures. HBI insurance is an indemnity product that offers financial protection for commonly needed medical services, including hospital and doctor services. When you experience a covered medical event, HBI pays a set fee, directly to you or a provider designated by you.

You can apply for either type of insurance at any time and you can choose your doctor. That’s why we are proud to offer you these options.

Short Term Health Insurance and HBI are not Obamacare. They are not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your policy carefully to make sure you are aware of any exclusions or limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services). Your policy might also have lifetime and/or annual dollar limits on health benefits. If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage. Also, this coverage is not "minimum essential coverage."

Existing Insurance Coverage

DO NOT CANCEL ANY EXISTING INSURANCE UNTIL YOU RECEIVE WRITTEN CONFIRMATION FROM THE INSURANCE COMPANY TO WHICH YOU ARE APPLYING THAT YOUR NEW POLICY IS IN EFFECT.

Content Ownership

We own our website, information concerning us, and our services. This includes, without limitation, text, images, software, graphics, button icons, audio and video clips, digital downloads, data compilations, logos and information that appear on our website or are part of our services. We also own all copyrights, trademarks, service marks, and trade names related to us.

We may present information on behalf of or licensed from a third party. This third-party information is proprietary to its owners.

We welcome your questions, comments and feedback. Please remember that if you submit content to us, then you are legally representing that you have the right to do so. If you do not have permission, do not share information that is confidential or proprietary. By sending us your comments, you are granting us ownership to those materials, even if they include ideas to improve our site. We can share those ideas without your consent, we do not have to pay you for them, and we may already be considering them. If you prefer to retain your rights, please do not submit your material. If you believe the content on our site violates your copyright, please let us know by following the Copyright Procedure.

How to Use Our Website

You must also be at least 18 years old or legally emancipated with the ability to enter into contracts. And, since our website is intended for a U.S. audience, if you’re visiting our site from another country, keep in mind that you will have to comply not just with U.S. law, but the laws of that country.

The information that you provide to us must be accurate and up-to-date. Do not use our website to make false or fraudulent applications or purchases.

Do not use programs to frame our site or impede our site operations. This includes technology like "deep-links," "page-scrapes," "robots," and "spiders."

In addition, you are responsible for keeping your passwords, login and account information secret.

Third Party Links

Sometimes our site includes links to third parties. While we hope that these sites are informative, we do not control their content. Including these links on our site is not a sign that we endorse or approve them.

Termination

Either of us can end this Agreement at any time. We may terminate your access to our site and services for any reason without prior notice. You can terminate by cancelling your account, unsubscribing to our emails, and stopping your use of our site. We will respect your request. If you have a pending health insurance application, however, we may be legally obligated to keep you updated on its status. Also, any provisions of these Terms of Use that would logically apply after termination, such as (but not limited to) Content Ownership and Disputes, will survive.

Disputes

We each agree that the laws of the State of California, U.S.A., excluding its conflict of laws rules, will govern. If the dispute is not eligible for the JAMS Alternative Dispute Resolution process, then we each agree that the claims can only be litigated in the federal or state courts of Santa Clara County, California and we each agree to these courts’ personal jurisdiction.

Disclaimer of Warranty and Limitation of Liability

The law requires that we set out our disclaimer of warranty and limitation of liability in all caps. This section may be long and look boring, but it’s important. Please read it.

YOU EXPRESSLY AGREE THAT USE OF OUR SITE IS AT YOUR SOLE RISK. THE MATERIAL PROVIDED ON THE SITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, WARRANTIES OF TITLE, NONINFRINGEMENT, OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE WITH RESPECT TO THE WEBSITE, ANY USE OF THE WEBSITE AND ANY WEBSITE TO WHICH THE WEBSITE IS LINKED. WE WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THIS SITE, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES, EVEN IF WE ARE MADE AWARE OF THE POSSIBILITY OF SUCH DAMAGES. WE DO NOT WARRANT THAT THE MATERIAL ON THE WEBSITE IS COMPLETE OR ACCURATE, THAT USE OF THIS WEBSITE WILL BE UNINTERRUPTED OR ERROR FREE, OR THAT THIS WEBSITE OR SERVER OR ANY MATERIAL ON THIS WEBSITE IS FREE OF DISABLING DEVICES.

CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.

Legal Jurisdictions Only

The sale of insurance products is governed by laws that differ from state to state. The products and services on our site are intended only for those persons in states and jurisdictions where these products and services may be legally sold. Nothing on our site shall be considered a solicitation to buy or an offer to sell any products or services to any person in any jurisdiction where such an offer, solicitation, purchase or sale would be unlawful.

Access

By using Healthinsurance.com, you warrant that you are at least 18 years of age and possess the legal authority to use HealthInsurance.com. We do not sell products to minors, but we sell them to adults.