Terms governing use of the Health Insurance platform, quote estimates, and plan discovery.
Plain English Summary
These terms outline your rights and responsibilities when using Health Insurance. By accessing our platform and tools, you agree to these conditions. We connect consumers with licensed health insurance carriers and provide educational resources.
These Terms & Conditions constitute a legally binding agreement between you ('User', 'Visitor', or 'Applicant') and Health Insurance ('we', 'us', or 'our'). By accessing our website, requesting a quote, or using our plan comparison engine, you agree to be bound by these terms.
If you do not agree to these terms, please discontinue use of the platform immediately.
Health Insurance provides educational guides, comparison tools, and quote matching. We are an informational portal and digital lead generator, not a direct underwriter or licensed insurer.
Important: Always review all official Summary of Benefits and Coverage (SBC) documents and plan exclusions provided by the insurer prior to making enrollment decisions.
You certify that all information submitted during quote requests—including household size, age, state of residence, and contact information—is truthful and accurate.
Providing intentional misrepresentations may result in inaccurate quotes, plan disqualification, or denial of claims by underwriting carriers.
Our platform contains links to licensed third-party insurance providers, state health exchanges, and educational resources. We do not control or endorse the content or underwriting guidelines of external organizations.
To the maximum extent permitted by applicable law, Health Insurance and AltFTool are not liable for any direct, indirect, incidental, or consequential damages resulting from policy purchases, claim denials, or carrier coverage decisions.
These terms are governed by and construed in accordance with the laws of the United States. Any disputes arising out of the use of this website shall be resolved through binding arbitration or appropriate courts of competent jurisdiction.
