Disclaimer

1. No Professional Advice

The calculators, tools, and content on this website do not constitute insurance advice, financial advice, medical advice, or any other type of professional advice. You should not rely on the information on this website as an alternative to professional advice from licensed insurance brokers, financial advisors, or medical professionals.

If you have specific questions about health insurance, please consult a qualified professional who is licensed in your jurisdiction.

2. Estimates Only

All calculations and estimates provided by our tools are:

• Indicative only - actual premiums may vary significantly
• Not binding - no insurance company is obligated to offer coverage at these rates
• Based on typical inputs - your specific situation may differ
• Not guaranteed - we do not guarantee that any particular insurer will offer you coverage at the estimated price

3. No Endorsement

Reference to any specific insurance product, service, provider, or company does not constitute or imply endorsement, recommendation, or favoring by HealthInsuranceCalculators.com. We do not receive commissions from insurers for referrals or estimates.

4. External Links

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

5. Accuracy of Information

While we strive to keep our calculators updated with current insurance market data, rates, regulations, and practices change frequently. There may be delays, omissions, or inaccuracies in the information presented. We make no representations about the suitability, reliability, or accuracy of the information for any purpose.

6. Personal Responsibility

You acknowledge that your use of any information or calculators on this website is solely at your own risk. It is your responsibility to:

• Verify any information before making insurance decisions
• Read all policy documents carefully before purchasing
• Consult with licensed professionals as needed
• Understand that estimates are not guarantees

7. No Liability

In no event shall HealthInsuranceCalculators.com, its operators, contributors, or affiliates be liable for any special, direct, indirect, consequential, or incidental damages or any damages whatsoever, whether in an action of contract, negligence, or other tort, arising out of or in connection with the use of this website or the information provided.

8. Changes and Updates

We reserve the right to modify this disclaimer at any time without notice. By continuing to use the website, you accept the current version of this disclaimer.

9. Contact

If you have questions about this disclaimer, please contact us at:

Email: legal@healthinsurancecalculators.com