9/3/2026
1. Important Notice About Website Content
The information and content on this website ("Content") is provided for general educational purposes only. The Content is not medical advice, and it cannot replace the relationship you have with your health care professionals. In a medical emergency, do not rely on any information on this site — call 911 or seek appropriate emergency medical assistance. Always consult your health care professionals regarding diagnosis and treatment. Health information changes rapidly; verify any information with your health care professionals.
The Content is also not insurance, legal, tax, or financial advice. Subsidy estimates, plan descriptions, enrollment-window information, and educational articles are general in nature, are not guarantees, and may not reflect current program rules in your state. Confirm details with a licensed agent, the relevant insurance carrier, or official government sources before making decisions.
This website is intended for use by a U.S. audience.
2. Who We Are — and What We Are Not
HealthCare Quote Now LLC is a marketing platform operated by HealthCareQuoteNow.com. We connect consumers with licensed insurance agents and insurance companies. We are not an insurance company, and unless expressly stated, we are not acting as a licensed insurance agent or broker. We do not underwrite insurance, make coverage decisions, or guarantee eligibility, rates, or savings. Quotes and plan information come from the licensed third parties we connect you with.
We are not affiliated with or endorsed by the U.S. government, Healthcare.gov, or the federal Medicare program. For official Medicare information, visit Medicare.gov or call 1-800-MEDICARE.
3. Agreement to These Terms; Changes; Monitoring
These Terms of Use ("Terms") govern your use of this website and are a legally binding agreement between you and the Company. If you assist another person in using this website, these Terms bind both of you. By using this website you agree to the most recent version of these Terms and to our Privacy Policy. We may modify these Terms at any time; changes will be posted on this page with a revised date, and your continued use constitutes acceptance. You acknowledge that the Company may monitor activity on this website and use the results of such monitoring without limitation, subject to applicable law.
4. Consent to Be Contacted
When you submit a quote request, you agree to the specific consent language presented with that form, authorizing us and the Marketing Partner(s) identified in that disclosure to contact you by telephone, text message (SMS), and/or email as described in the disclosure. Consent is not a condition of purchase. Revocation of consent is described in our Privacy Policy. Our current Marketing Partners are listed at healthcarequotenow.com/marketing-partners.
5. No Insurance, Legal, Tax, or Medical Advice
Content on this Site is for general information only. Subsidy estimates, plan descriptions, and educational articles are not guarantees and may not reflect current program rules in your state. Confirm details with a licensed agent, the relevant carrier, or official government sources before making decisions.
6.Eligibility and Acceptable Use
You must be at least 18 years old and located in the United States to submit a quote request. You agree to provide accurate information and to submit requests only on your own behalf, or with authorization for a household member. You may not scrape, harvest, or misuse the website; submit false or fraudulent leads; interfere with the operation of the website; or use the website for any unlawful purpose.
7. License; Intellectual Property
Subject to these Terms, the Company grants you a personal, nontransferable, nonexclusive, revocable, and limited license to view the Content for the purpose of requesting insurance quotes and related consumer activities. The website and its Content are owned by HeathCareQuoteNow or its licensors and are protected by law. Third-party carrier names and logos are the property of their respective owners, are used for identification only, and do not imply endorsement.
8. No Warranties
ALL CONTENT ON THIS WEBSITE IS PROVIDED TO YOU ON AN "AS IS," "AS AVAILABLE" BASIS. THE COMPANY, ALL THIRD PARTIES, IF ANY, PROVIDING CONTENT FOR THIS WEBSITE, AND ALL THIRD PARTIES PROVIDING SUPPORT OR INFORMATION FOR THIS WEBSITE (COLLECTIVELY, "WEBSITE-RELATED-PARTIES") HEREBY DISCLAIM ALL WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NONINFRINGEMENT.
THE WEBSITE-RELATED-PARTIES MAKE NO WARRANTY AS TO THE ACCURACY, COMPLETENESS, CURRENCY, OR RELIABILITY OF ANY CONTENT AVAILABLE THROUGH THIS WEBSITE, INCLUDING ANY INFORMATION REGARDING PARTICULAR PLAN BENEFITS OR SCOPE OF COVERAGE. THE WEBSITE-RELATED-PARTIES MAKE NO REPRESENTATION OR WARRANTY THAT USE OF THIS WEBSITE WILL BE UNINTERRUPTED OR ERROR-FREE. YOU ARE RESPONSIBLE FOR TAKING ALL PRECAUTIONS NECESSARY TO ENSURE THAT ANY CONTENT YOU OBTAIN FROM THIS WEBSITE IS FREE OF VIRUSES AND OTHER POTENTIALLY DESTRUCTIVE COMPUTER CODE.
SOME STATES DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES, SO ONE OR MORE OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.
9. Limitation of Liability
YOU AGREE THAT NONE OF THE WEBSITE-RELATED-PARTIES SHALL BE LIABLE FOR ANY DAMAGE RESULTING FROM YOUR USE OR INABILITY TO USE THIS WEBSITE OR THE CONTENT, OR FROM ANY INTERACTION WITH THIRD-PARTY AGENTS, AGENCIES, OR CARRIERS TO WHOM YOUR REQUEST IS DIRECTED. THIS PROTECTION COVERS CLAIMS BASED ON WARRANTY, CONTRACT, TORT, STRICT LIABILITY, AND ANY OTHER LEGAL THEORY, AND COVERS ALL WEBSITE-RELATED-PARTIES, INCLUDING ALL AFFILIATES AND THEIR OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS. THIS PROTECTION COVERS ALL LOSSES, INCLUDING WITHOUT LIMITATION DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, AND PUNITIVE DAMAGES; PERSONAL INJURY/WRONGFUL DEATH; LOST PROFITS; AND DAMAGES RESULTING FROM LOST DATA OR BUSINESS INTERRUPTION. THE TOTAL, CUMULATIVE LIABILITY OF THE WEBSITE-RELATED-PARTIES SHALL BE LIMITED TO THE AMOUNT OF YOUR ACTUAL DAMAGES, NOT TO EXCEED U.S. $100.00. IF YOU ARE DISSATISFIED WITH THIS WEBSITE OR THE CONTENT, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE WEBSITE.
THE FOREGOING LIMITATION OF LIABILITY IS NOT APPLICABLE TO RESIDENTS OF NEW JERSEY. WITH RESPECT TO RESIDENTS OF NEW JERSEY, THE RELEASED PARTIES ARE NOT LIABLE FOR ANY DAMAGES UNLESS SUCH DAMAGES ARE THE RESULT OF OUR NEGLIGENT OR RECKLESS ACTS OR OMISSIONS, AND THE RELEASED PARTIES ARE NOT, IN ANY CASE, LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES.
YOU ACKNOWLEDGE AND AGREE THAT THE COMPANY’S SUPPLIERS AND VENDORS ARE THIRD-PARTY BENEFICIARIES OF THESE TERMS, WITH THE RIGHT TO ENFORCE THE LIMITATIONS OF WARRANTY AND LIABILITY SET FORTH HEREIN WITH RESPECT TO THEIR RESPECTIVE TECHNOLOGY.
9.5 Indemnification
You agree to indemnify, defend, and hold harmless HeathCareQuoteNow and its officers, directors, employees, and agents against claims arising from your violation of these Terms or misuse of the website.
10. Dispute Resolution; Governing Law
These Terms and any cause of action arising under or relating to your use of the website are governed by the laws of the State of Fl, without reference to its choice-of-law principles. You agree that the only proper jurisdiction and venue for any dispute is in the state and federal courts located in FL, and you consent to personal jurisdiction in those courts.
Before seeking legal recourse for any harm you believe you have suffered arising from or related to your use of this website, you agree to inform us in writing and to give us 30 days to cure the harm before initiating any action. Unless you are a resident of New Jersey, you must initiate any cause of action within one year after the claim has arisen or be barred from pursuing it.
If any provision of these Terms is determined to be invalid under any applicable statute or rule of law, such provision is to that extent deemed omitted, and the balance of these Terms remains enforceable.
11. Changes; Contact
We may update these Terms; continued use after posting constitutes acceptance.
Contact: HealthCare Quote Now LLC Info@HeathCareQuoteNow.com,
12. Marketing Partners
12.1 Partner Network. Healthcare Quote Now ("Company," "we," "us") operates as a lead generation platform and works with a network of third-party licensed insurance carriers, agencies, and brokers ("Marketing Partners") to connect users with insurance products and quotes. When you submit your information through our forms and provide consent, your information may be shared with one or more Marketing Partners for the purpose of providing you with insurance quotes, product information, and related marketing communications.
12.2 Current Partner List. A current, regularly updated list of our Marketing Partners — identified by name or by defined category (e.g., "licensed health insurance carriers and agencies operating in [state(s)]") — is maintained at [healthcarequotenow.com/marketing-partners]. The version of that list in effect at the time of your submission governs which entities you have consented to be contacted by. We retain a dated record of each version of the list and the Terms of Use in effect at the time of each consent.
12.3 Scope of Sharing. We share only the information necessary for Marketing Partners to provide you with relevant insurance quotes and services (e.g., name, contact information, and any details you provide about your insurance needs). Marketing Partners are contractually required to use your information solely for the purposes described in this Agreement and in accordance with our Privacy Policy.
12.4 Partner Communications. By providing consent through our SMS, Email, or Phone Call consent checkboxes, you authorize both Healthcare Quote Now and the Marketing Partners listed at the time of your submission to contact you through the applicable channel(s) regarding insurance products and services, subject to the terms of those specific consents.
12.5 Partner Conduct; Liability. Marketing Partners are independent contractors, not agents, employees, or joint venturers of Healthcare Quote Now, and are contractually obligated to comply with all applicable laws, including the Telephone Consumer Protection Act (TCPA), CAN-SPAM Act, and applicable state Do-Not-Call regulations. Except as expressly stated in a separate written agreement between Healthcare Quote Now and a given Marketing Partner, Healthcare Quote Now disclaims all liability for that Marketing Partner's independent marketing practices, including any contact made outside the scope of, or after revocation of, the consent you provided. Each Marketing Partner's obligations to Healthcare Quote Now regarding compliant conduct and indemnification are governed by the applicable partner agreement between Healthcare Quote Now and that partner, not by this Section. Complaints regarding a Marketing Partner's conduct may be directed to us at Legal@Healthcarequotenow.com; we will investigate and may take action including removal from our partner network.
12.6 Updates to Partner Network. We reserve the right to add or remove Marketing Partners at our discretion. Material changes to the partner network do not retroactively alter previously provided consent but will be reflected going forward on the Marketing Partners page referenced in Section 12.2.
13. Mobile Opt-In Disclaimer
13.1 Mobile User Agreement. By providing my cell phone number I agree to receive calls and texts to that number from HealthCareQuotenow and its associates that may be automatically dialed or prerecorded. Msg & Data Rates May Apply. Text STOP to opt out. Text HELP for more info.
13.2 Mobile Commons Terms and Conditions. In addition to any entry, submission or other fee of which you are notified, your carrier’s standard messaging rates apply to your entry or submission message, our confirmation and all subsequent SMS correspondence and/or transmissions. All charges are billed by and payable to your mobile service provider.
13.3 Mobile Messaging Liability. We will not be liable for any delays in the receipt of any SMS messages as delivery is subject to effective transmission from your mobile service operator. SMS MESSAGE SERVICES ARE PROVIDED ON AN “AS IS” BASIS, AND WE MAKE NO WARRANTY, EXPRESS OR IMPLIED, AND ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR PARTICULAR PURPOSE, ARE HEREBY EXPRESSLY DISCLAIMED.
13.4 Mobile Data Collection. Data obtained from you in connection with this SMS service may include your cell phone number, your carrier’s name, and the date, time and content of your messages, as well as other information that you provide. We may use this information to contact you and to provide the services you request from us.
13.5 Mobile Use Access. By using this service you may have access to various content. You should assume that everything to which you have access through this service is subject to copyright and trademark protection, unless noted otherwise. By subscribing or otherwise using the service, you acknowledge and agree that all right, title and interest, including the trademark and copyright rights, in and to such works are our property, and that you will not gain any ownership or other right, title or interest therein or thereto. You may not copy, download or make any other unauthorized uses of such items.
13.5A By subscribing, you consent to receiving, from time to time, further text messages from us.
13.5B By subscribing or otherwise using the service, you acknowledge and agree that we will have the right to change and/or terminate the service at any time, with or without cause and/or advance notice.
All content is appropriate for ages 13 and older (T13+)
Read our Privacy Policy.