Terms of Use
Last updated: March 14, 2026
1. Acceptance of Terms
By accessing or using LocalHealthPlanFinder.com, you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use the site.
2. Description of Service
LocalHealthPlanFinder.com is a free informational tool that helps consumers compare ACA health insurance plans, estimate subsidies, and explore coverage options across U.S. counties. The site is not an insurance company, broker, agent, or navigator. We do not sell insurance, process applications, or enroll users in health plans.
3. Not Professional Advice
The information and tools provided on this site are for general educational purposes only. Nothing on this site constitutes medical, legal, financial, or insurance advice. Calculator results are estimates based on publicly available data and federal guidelines — actual costs, subsidies, and eligibility may differ. Always consult a licensed insurance professional, navigator, or your state marketplace before making coverage decisions.
4. Accuracy of Information
Plan data, premiums, and other information are sourced from CMS Public Use Files, state exchange data, and the U.S. Census Bureau. While we strive to keep data current and accurate, we make no guarantees about the completeness, reliability, or timeliness of any information. Plan availability, pricing, and benefits may change without notice. Federal marketplace states display 2026 plan year data; state-based exchange states display 2025 data until CMS releases updated files.
5. Use of the Site
You agree to use the site only for lawful purposes. You may not: - Scrape, crawl, or systematically download content from the site without written permission - Attempt to interfere with, disrupt, or compromise the site's infrastructure - Use the site to transmit malware, spam, or other harmful content - Misrepresent your affiliation with LocalHealthPlanFinder.com - Reproduce, redistribute, or commercially exploit the site's content without authorization
6. Intellectual Property
The site's design, layout, text, tools, and code are the property of LocalHealthPlanFinder.com. Underlying plan data sourced from CMS and Census public use files remains in the public domain. You may link to the site freely but may not frame or embed its pages without permission.
7. Third-Party Links and Services
The site contains links to third-party websites including HealthCare.gov, state marketplace sites, and insurance company pages. These links are provided for convenience only. We do not control and are not responsible for the content, accuracy, or privacy practices of any third-party site. Following a link to an external site is at your own risk.
8. Advertising and Affiliate Links
The site displays advertisements through Google AdSense and may include affiliate links. Clicking an affiliate link may result in a commission paid to us at no cost to you. Advertising and affiliate relationships do not influence the plan data, calculator results, or recommendations shown on the site.
9. Disclaimer of Warranties
The site and its content are provided "as is" and "as available" without warranties of any kind, either express or implied. We disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the site will be uninterrupted, error-free, or free of harmful components.
10. Limitation of Liability
To the fullest extent permitted by law, LocalHealthPlanFinder.com shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the site, including but not limited to damages related to reliance on calculator estimates, plan data inaccuracies, or enrollment decisions made based on information found on this site.
11. Changes to These Terms
We may update these Terms of Use from time to time. When we do, we will revise the "Last updated" date at the top of this page. Continued use of the site after changes are posted constitutes your acceptance of the revised terms.
12. Governing Law
These Terms of Use are governed by and construed in accordance with the laws of the United States. Any disputes arising from these terms or your use of the site shall be resolved in the courts of competent jurisdiction.
13. Contact
If you have questions about these Terms of Use, please contact us at support@localhealthplanfinder.com.