Terms of Service

1. About HealthOptions.com

HealthOptions.com provides consumers with information and resources related to health insurance and other insurance products and may help connect consumers with licensed insurance agents, agencies, carriers, or other service providers.

HealthOptions.com is not an insurance carrier and does not itself guarantee insurance coverage, eligibility, pricing, benefits, or approval for any insurance product.

Submitting information through HealthOptions.com does not constitute enrollment in an insurance plan or create an insurance contract.

2. Insurance Information Disclaimer

Information provided on this Website is for general informational purposes only and should not be considered legal, tax, financial, or medical advice.

Insurance availability, premiums, benefits, deductibles, copayments, eligibility requirements, provider networks, prescription coverage, and other plan features vary by carrier, plan, location, and individual circumstances.

Consumers should carefully review official plan documents and discuss coverage with a licensed insurance professional before enrolling.

3. No Guarantee of Coverage or Savings

HealthOptions.com does not guarantee that you will qualify for any particular insurance product, subsidy, premium, benefit, or savings.

Quotes or estimates provided through the Website or by participating insurance professionals may change based on information supplied by the consumer, carrier underwriting or eligibility requirements, geographic location, applicable law, and other factors.

Final insurance terms are determined by the applicable insurance carrier.

4. Consumer Information

When using the Website, you agree to provide accurate, current, and complete information.

You agree not to submit information belonging to another person without that person's authorization.

Information submitted through the Website will be handled in accordance with our Privacy Policy.

5. Communications

When you provide your contact information and separately provide any required consent to communications, HealthOptions.com and/or the insurance professionals or other parties identified in the applicable consent disclosure may contact you regarding your request.

Communications may include telephone calls, text messages, emails, or other permitted methods of communication, subject to the consent you provide and applicable law.

Where required, consent to receive marketing calls or text messages is not a condition of purchasing any goods or services.

You may withdraw consent or request that communications stop using the methods provided in the applicable communication or by contacting us.

Additional terms regarding telephone and text communications may appear next to the form where your contact information is collected.

6. Third-Party Insurance Agents and Providers

HealthOptions.com may connect consumers with independent insurance agents, agencies, carriers, brokers, or other third-party service providers.

Unless expressly stated otherwise, these third parties are independent from HealthOptions.com. HealthOptions.com does not control their recommendations, representations, pricing, products, services, availability, or conduct.

Consumers are responsible for reviewing the qualifications and licensing of any insurance professional before purchasing insurance or relying upon their recommendations.

7. Third-Party Websites

The Website may contain links to websites operated by third parties.

HealthOptions.com does not control and is not responsible for the content, security, privacy practices, products, services, or availability of third-party websites.

Accessing a third-party website is at your own discretion and subject to that website's terms and policies.

8. Eligibility

You must be at least 18 years old to submit an insurance inquiry through the Website.

By using the Website, you represent that you have the legal capacity to agree to these Terms.

9. Acceptable Use

You agree not to:

• Use the Website for unlawful, fraudulent, or abusive purposes;
• Submit false or misleading information;
• Submit another person's personal information without authorization;
• Attempt to interfere with the Website's operation or security;
• Attempt to gain unauthorized access to systems or information;
• Use automated systems to scrape, harvest, or extract information from the Website without authorization; or
• Use Website content in violation of applicable intellectual property laws.

10. Intellectual Property

Unless otherwise stated, the Website and its content, including text, graphics, logos, designs, software, and other materials, are owned by or licensed to HealthOptions.com and are protected by applicable intellectual property laws.

You may use the Website for your personal, non-commercial purposes. No Website content may be copied, reproduced, distributed, sold, modified, or commercially exploited without prior written authorization.

11. Website Availability

We attempt to maintain reliable Website operation but do not guarantee that the Website will always be available, uninterrupted, secure, or error-free.

We may modify, suspend, discontinue, or restrict any portion of the Website at any time.

12. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE WEBSITE AND SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED.

HEALTHOPTIONS.COM DOES NOT WARRANT THAT INFORMATION PROVIDED THROUGH THE WEBSITE WILL BE COMPLETE, ACCURATE, CURRENT, OR SUITABLE FOR EVERY INDIVIDUAL'S CIRCUMSTANCES.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, HEALTHOPTIONS.COM AND ITS OWNERS, OFFICERS, EMPLOYEES, AFFILIATES, CONTRACTORS, AND AGENTS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING FROM OR RELATED TO YOUR USE OF THE WEBSITE OR SERVICES.

Nothing in these Terms excludes or limits liability that cannot legally be excluded or limited.

14. Indemnification

To the extent permitted by law, you agree to indemnify and hold harmless HealthOptions.com and its affiliates, officers, employees, contractors, and agents from claims, damages, liabilities, losses, and expenses arising from your unlawful use of the Website, violation of these Terms, or infringement of another person's rights.

15. Privacy

Your use of the Website is also subject to our Privacy Policy.

Please review the Privacy Policy to understand how information submitted through the Website may be collected, used, disclosed, and protected.

16. Changes to These Terms

We may modify these Terms periodically.

Changes will become effective when the revised Terms are posted on the Website unless otherwise stated. The “Last Updated” date at the top of this page indicates when these Terms were most recently revised.

Continued use of the Website following an update constitutes acceptance of the revised Terms to the extent permitted by applicable law.

17. Governing Law

These Terms will be governed by the laws of the State of Florida, without regard to conflict-of-law principles, except where federal law or another jurisdiction's law is required to apply.

18. Severability

If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

19. Entire Agreement

These Terms, together with the Privacy Policy and any additional disclosures or agreements presented to you when using particular Website services, constitute the agreement governing your use of the Website.

20. Contact Us

Questions regarding these Terms of Service may be directed to: