Terms of Use

This is the website of an independent insurance brokerage. It provides general educational information about health coverage options and a short survey that connects you with a licensed insurance advisor.

It is not a government website. We are not affiliated with, endorsed by, or operating on behalf of healthcare.gov, the Centers for Medicare & Medicaid Services, any state health insurance exchange, or any federal or state agency.

It is not an insurance carrier. We do not issue policies, underwrite risk, adjudicate claims, or bind coverage.

Nothing on this site is an offer of insurance, a binding price, a rate, or a determination of eligibility. Submitting the survey starts a review by a licensed advisor — it does not apply for coverage, purchase anything, or guarantee that coverage will be offered to you.

Any figures shown on this site, including in comparison tables and the savings explorer, are general figures, not prices for your household. Actual premiums, deductibles, networks, benefits and availability vary by age, location, health history, carrier and the plan selected, and are determined solely by the issuing carrier.

Content here is general information, not medical, legal, tax or individualised financial advice. Decisions about coverage should be made with a licensed advisor and, where relevant, your own professional advisers.

• Provide accurate information, and only your own information or that of someone you are authorised to act for.
• Use the site only for lawful purposes.
• Do not attempt to interfere with the site, submit automated or fraudulent entries, scrape content at scale, or circumvent security or rate-limiting measures.
• Do not submit sensitive information we have not asked for, including medical records, Social Security numbers or payment details.

The content, design, copy, graphics and code on this site are owned by Bright Health Savings LLC or its licensors and may not be copied, republished or used to train commercial models without written permission. Carrier and third-party names are the property of their respective owners and are used descriptively.

We link to external resources — including healthcare.gov — for your convenience. We do not control them and are not responsible for their content, accuracy or privacy practices.

The site is provided “as is” and “as available” without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose and non-infringement. We do not warrant that the site will be uninterrupted or error-free, or that information on it is complete or current.

To the fullest extent permitted by law, Bright Health Savings LLC is not liable for indirect, incidental, special, consequential or punitive damages, or for lost profits or data, arising from your use of the site. Some jurisdictions do not allow these exclusions, in which case they apply to the maximum extent permitted.

You agree to indemnify and hold harmless Bright Health Savings LLC and its officers, employees and advisors from claims arising out of your misuse of the site or breach of these terms.

We may update these terms; the “last updated” date above reflects the current version, and continued use after a change means you accept it. These terms are governed by the laws of the United States and the state in which Bright Health Savings LLC is organised, without regard to conflict-of-laws rules.

Questions can be sent through the contact page. See also our Privacy Policy and Disclosures.