Effective Date: January 15, 2026 | Last Updated: March 30, 2026
These Terms of Service ("Terms") govern your use of the HealthcareSeeker website at healthcareseeker.com (the "Site"), operated by HealthcareSeeker ("we," "us," or "our"). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, do not use the Site.
HealthcareSeeker is a healthcare insurance comparison and lead generation platform. We provide educational content about health insurance options — including ACA marketplace plans, short-term health insurance, fixed indemnity plans, supplemental insurance, and other coverage types — and connect consumers with licensed insurance agents and insurance partners who can assist with enrollment.
We are a free service for consumers. We earn compensation from our insurance partners when you submit your information through our forms or enroll in a plan through one of our partners. This compensation model is described in our Advertising Disclosure.
HealthcareSeeker is not an insurance company, insurance agent, or insurance broker. We do not:
When you submit your information through our Site, we connect you with licensed insurance agents and our insurance partners who can provide you with actual plan options and enrollment assistance. Any insurance policy you purchase is between you and the insurance carrier, not HealthcareSeeker.
The information on this Site is provided for general educational and informational purposes only. It does not constitute:
Always verify plan details, costs, benefits, network providers, and eligibility with the insurance carrier or a licensed agent before making enrollment decisions.
You must be at least 18 years of age to use this Site and submit information through our forms. By using the Site, you represent that you are at least 18 years old and have the legal capacity to enter into these Terms.
Our Site is intended for use by residents of the United States (50 states and the District of Columbia). We do not provide services for US territories or international users.
You agree to use the Site only for its intended purpose: researching health insurance options and requesting to be connected with licensed insurance agents. You agree to:
When you submit your information through a form on our Site:
By submitting a form, you acknowledge that you are requesting to be contacted about health insurance options and that you understand your information will be shared as described in our Privacy Policy.
By checking the consent checkbox and submitting a form on our Site, you provide your prior express written consent under the Telephone Consumer Protection Act (TCPA) to be contacted by HealthcareSeeker and the specific insurance partners identified on the form, at the phone number you provided, including via:
You understand and agree that:
If you do not consent to be contacted, do not submit the form. You may still browse our Site and educational content without submitting any personal information.
You agree to provide accurate and truthful information in all forms. Submitting false, misleading, or fraudulent information is a violation of these Terms and may result in:
The healthcare costs, insurance premiums, subsidy estimates, plan comparisons, and other financial information displayed on this Site are:
The out-of-pocket maximum figures cited on this Site ($10,150 individual / $20,300 family for 2026) are set by CMS in the annual Notice of Benefit and Payment Parameters. These limits apply to ACA-compliant plans only and may be adjusted annually.
Subsidy estimates are based on current law, including the enhanced premium tax credits under the Inflation Reduction Act. If Congress does not extend these provisions, actual subsidies may be significantly different from estimates shown.
Non-ACA plan information (short-term health insurance, fixed indemnity, supplemental insurance) reflects general market conditions. Actual plan availability, pricing, benefits, and exclusions vary by state and carrier.
Always verify specific plan details with the insurance carrier or a licensed agent before enrolling.
All content on this Site — including text, graphics, logos, design, layout, code, data compilations, and software — is the property of HealthcareSeeker or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws.
You may not:
The HealthcareSeeker name and logo are trademarks of HealthcareSeeker. All other trademarks, brand names, and logos appearing on this Site are the property of their respective owners.
You agree not to use the Site to:
We reserve the right to suspend or terminate access to the Site for any user who violates these Terms.
Our Site may contain links to third-party websites, services, or resources. These links are provided for your convenience only. We do not:
When you leave our Site to visit a third-party website, that website's terms of service and privacy policy apply — not ours. We encourage you to review the terms and privacy policies of any third-party website you visit.
THE SITE AND ALL CONTENT, INFORMATION, AND SERVICES PROVIDED ON IT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:
WE DO NOT WARRANT THAT THE COST ESTIMATES, SUBSIDY CALCULATIONS, OR PLAN COMPARISONS DISPLAYED ON THE SITE WILL MATCH THE ACTUAL COSTS, SUBSIDIES, OR PLANS AVAILABLE TO YOU. THESE ARE ESTIMATES ONLY.
HealthcareSeeker is not affiliated with or endorsed by the United States government, the Centers for Medicare & Medicaid Services (CMS), the Department of Health and Human Services (HHS), or any state health insurance marketplace or exchange.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, HEALTHCARESEEKER AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY:
IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATED TO THE SITE EXCEED ONE HUNDRED DOLLARS ($100).
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IN SUCH JURISDICTIONS, OUR LIABILITY SHALL BE LIMITED TO THE FULLEST EXTENT PERMITTED BY LAW.
You agree to indemnify, defend, and hold harmless HealthcareSeeker and its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from or related to:
These Terms shall be governed by and construed in accordance with the laws of the State of [Your State], without regard to its conflict of law provisions.
Any dispute arising out of or relating to these Terms or your use of the Site shall be resolved through binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, unless you opt out of arbitration as described below.
You may opt out of the arbitration agreement by sending written notice to legal@healthcareseeker.com within 30 days of first using the Site. Your notice must include your full name, address, and a clear statement that you wish to opt out of arbitration. If you opt out, disputes will be resolved in the state or federal courts located in [Your State].
Notwithstanding the above, either party may bring an individual action in small claims court for disputes within the court's jurisdiction.
We may update these Terms from time to time. When we make changes, we will update the "Last Updated" date at the top of this page. If we make material changes, we may provide additional notice (such as a banner on the Site or an email notification).
Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms. If you do not agree with the changes, you must stop using the Site.
If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, that provision shall be modified to the minimum extent necessary to make it enforceable, or if modification is not possible, it shall be severed from these Terms. The remaining provisions shall continue in full force and effect.
If you have questions about these Terms of Service, contact us at:
HealthcareSeeker
Email: legal@healthcareseeker.com
Website: healthcareseeker.com