The rules, in plain language

Last updated: October 2026

What this service is

Health Quote HQ is a lead generation service for Americans shopping for health and dental insurance. You submit a quote request, and we connect you with licensed insurance professionals who can discuss options with you. Submitting a request is free.

What this service is not

We are not an insurance company, insurance agency, broker of record, or government program. We do not sell insurance, recommend specific plans, bind coverage, quote guaranteed premiums, promise savings, or enroll anyone in a plan. Any discussion of specific plans, prices, or enrollment happens between you and the licensed professional, not with us.

Consent to be contacted

By checking the consent box and submitting the quote form, you agree that Health Quote HQ and the licensed insurance partners named in the disclosure may contact you at the phone number and email address you provided about health and dental insurance options, including by autodialed, prerecorded, or artificial voice calls and text messages. Consent is not a condition of purchase, message and data rates may apply, and you can revoke consent at any time by replying STOP.

Nationwide service

We serve all 50 states. Enter your ZIP code and we will match you with licensed professionals in your area.

Acceptable use

Use the form for your own genuine quote request. Do not submit someone else's information, submit automated or bulk requests, attempt to disrupt the service, or misrepresent your identity. We may decline requests that appear abusive or fraudulent.

No advice, no guarantees

Nothing on this site is insurance advice, tax advice, or legal advice. Educational content describes how coverage generally works. Your situation may differ, and only a licensed professional reviewing your details can advise you.

Limitation of liability

To the fullest extent permitted by law, Health Quote HQ is not liable for decisions you make based on site content, for the actions or advice of the licensed professionals we connect you with, or for coverage outcomes. Our total liability for any claim related to the service is limited to the amount you paid us, which for consumers is zero.

Changes

We may update these terms as the service evolves. Continued use of the site after changes means you accept the updated terms.