Terms of Service

Last updated: January 1, 2025
⚠️ Important: This is a starter terms template. Have an attorney review this before going live, particularly around insurance-specific disclaimers and liability.

1. Acceptance of Terms

By using Vital Health, you agree to these Terms of Service. If you do not agree, please do not use this site.

2. Not an Insurance Company

Vital Health is an independent plan comparison tool. We are not an insurance company, broker, or agent. We do not sell insurance directly. All plans are offered by licensed carriers. Enrollment and coverage decisions are made solely by the carrier you select.

3. Estimates Disclaimer

All plan prices, premiums, deductibles, copays, and out-of-pocket figures displayed on this site are estimates only. Your actual rate will be determined by the carrier based on your age, health history, location, and other factors. Nothing on this site constitutes a binding quote or offer of coverage.

4. Accuracy of Information

Plan data is sourced from the CMS HealthCare.gov Marketplace API and is updated regularly. However, we do not guarantee the accuracy, completeness, or timeliness of any plan information. Always verify details directly with the carrier before enrolling.

5. Your Responsibilities

You agree to provide accurate information when using this site. Submitting false or misleading information on a health insurance application may constitute fraud and void your coverage.

6. Limitation of Liability

Vital Health is provided "as is" without warranties of any kind. We are not liable for any decisions made based on information displayed on this site, including enrollment decisions, coverage gaps, or claim denials.

7. Contact

Questions? Email us at hello@vitalhealth.com.