Terms and Conditions

Last Updated: October 1, 2025

Welcome to Health Insurance US. These Terms and Conditions govern your use of our website and services. By accessing or using our website, you agree to be bound by these Terms and Conditions. If you disagree with any part of these terms, please do not use our website.

Acceptance of Terms

By accessing and using this website, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service. We reserve the right to modify these terms at any time, and such modifications shall be effective immediately upon posting on the website. You agree to review these Terms and Conditions periodically to be aware of such modifications and your continued access or use of the website shall be deemed your conclusive acceptance of the modified agreement.

Use of Website

This website provides information and educational content about health insurance in the United States. You may use our website for lawful purposes only. You agree not to use the website:

  • In any way that violates any applicable federal, state, local, or international law or regulation
  • For the purpose of exploiting, harming, or attempting to exploit or harm minors in any way
  • To transmit, or procure the sending of, any advertising or promotional material, including any spam or similar solicitation
  • To impersonate or attempt to impersonate the company, a company employee, another user, or any other person or entity
  • To engage in any other conduct that restricts or inhibits anyone's use or enjoyment of the website, or which may harm the company or users of the website

Intellectual Property Rights

Unless otherwise stated, Health Insurance US owns the intellectual property rights for all material on this website. All intellectual property rights are reserved. You may access content from Health Insurance US for your own personal use, subject to restrictions set in these terms and conditions.

You must not:

  • Republish material from Health Insurance US without proper attribution
  • Sell, rent, or sub-license material from Health Insurance US
  • Reproduce, duplicate, or copy material from Health Insurance US for commercial purposes
  • Redistribute content from Health Insurance US unless content is specifically made for redistribution

Content License

We grant you a limited, non-exclusive, non-transferable license to access and use our website content for personal, non-commercial purposes. This license does not include the right to collect, aggregate, copy, duplicate, display or derive commercial benefit from any content, products, or services available through the website.

Disclaimer of Warranties

The information provided on this website is for general informational and educational purposes only. It is not intended to be a substitute for professional medical advice, diagnosis, or treatment. We make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information, products, services, or related graphics contained on the website.

Medical Disclaimer

The content on our website is not intended to be a substitute for professional medical advice, diagnosis, or treatment. Always seek the advice of your physician or other qualified health provider with any questions you may have regarding a medical condition. Never disregard professional medical advice or delay in seeking it because of something you have read on this website.

Insurance Disclaimer

Health Insurance US is an informational website and does not sell insurance products or provide insurance advice. Any information regarding health insurance plans, coverage options, or costs is for educational purposes only and should not be considered personalized insurance advice. For specific insurance recommendations, please consult with a licensed insurance agent or broker.

Limitation of Liability

To the fullest extent permitted by applicable law, Health Insurance US shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from:

  • Your access to or use of or inability to access or use the website
  • Any conduct or content of any third party on the website
  • Any content obtained from the website
  • Unauthorized access, use, or alteration of your transmissions or content

In no event shall Health Insurance US be liable for any damages whatsoever, whether direct, indirect, general, special, compensatory, consequential, or otherwise, arising out of or relating to the use of, or inability to use, this website or the information contained on this website.

External Links

Our website may contain links to external websites that are not provided or maintained by or in any way affiliated with Health Insurance US. Please note that we do not guarantee the accuracy, relevance, timeliness, or completeness of any information on these external websites.

The inclusion of any links does not necessarily imply a recommendation or endorse the views expressed within them. We have no control over the nature, content, and availability of those sites. If you click on external links, you leave our website and are subject to the privacy and security policies of the owners or sponsors of those websites.

User Content and Conduct

If our website allows you to post content, submit comments, or interact in any way, you are solely responsible for the content you post. You agree not to post content that:

  • Is unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, or otherwise objectionable
  • Infringes any patent, trademark, trade secret, copyright, or other proprietary rights of any party
  • Contains software viruses or any other computer code designed to interrupt, destroy, or limit functionality
  • Impersonates any person or entity or misrepresents your affiliation with a person or entity

We reserve the right to remove any content that violates these terms or that we find objectionable for any reason, without notice.

Indemnification

You agree to defend, indemnify, and hold harmless Health Insurance US and its licensee and licensors, and their employees, contractors, agents, officers, and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses arising from your use of and access to the website, your violation of any term of these Terms and Conditions, or your violation of any third-party right.

Privacy Policy

Your use of our website is also governed by our Privacy Policy. Please review our Privacy Policy, which also governs the website and informs users of our data collection practices. By using this website, you consent to the data practices described in our Privacy Policy.

Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms and Conditions will not be considered a waiver of those rights.

Severability

If any provision of these Terms and Conditions is held to be invalid or unenforceable by a court, the remaining provisions of these Terms and Conditions will remain in effect. These Terms and Conditions constitute the entire agreement between us regarding our website and supersede and replace any prior agreements we might have had between us regarding the website.

Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms and Conditions at any time. If a revision is material, we will make reasonable efforts to provide at least thirty days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our website after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use the website.

Termination

We may terminate or suspend your access to our website immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms and Conditions. Upon termination, your right to use the website will immediately cease.

All provisions of the Terms and Conditions which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

Accessibility

We are committed to ensuring digital accessibility for people with disabilities. We are continually improving the user experience for everyone and applying the relevant accessibility standards to ensure we provide equal access to all of our users.

Contact Information

If you have any questions about these Terms and Conditions, please contact us through our website. We are committed to resolving any concerns you may have regarding our terms of service.

Acknowledgment

By using Health Insurance US, you acknowledge that you have read these Terms and Conditions and agree to be bound by them. If you do not agree with any part of these terms, please discontinue use of our website immediately.

These terms and conditions are effective as of the date stated above and will remain in effect except with respect to any changes in their provisions in the future, which will be in effect immediately after being posted on this page.