Terms of Service

1. Accepting these terms

By using this website, requesting an estimate, or contacting us through this site, you agree to these terms. If you do not agree with them, please do not use the site. These terms work alongside our Privacy Policy, which is part of this agreement.

2. What we are

QuoteWell Health is an independent, licensed insurance brokerage. We are not an insurance company and we do not underwrite, issue, or pay claims on any policy. We help you compare plans offered by insurance carriers and, if you choose, submit an application on your behalf.

Carriers pay us a commission that is built into the premium and set by the carrier. You are not charged a separate fee for our help, and your premium is not higher for having used us. Any decision about whether to issue you a policy, on what terms, and at what price belongs entirely to the carrier.

3. About quotes and pricing

Requesting a quote through this website is not an application for insurance, and nothing on this site is an offer of coverage. Any figures shown on this site are general illustrations of typical private market pricing, not quotes, and not a promise that any carrier will offer you coverage at that price or at all.

Your actual premium depends on factors this website does not collect, including:

• Medical underwriting, which is conducted by the carrier
• Your full health history
• Which carriers write business in your state and county
• The specific plan design, deductible, and network you choose
• Tobacco use, and other rating factors that vary by carrier and state

A licensed advisor will provide real plan pricing before you apply for anything. You should not make a financial decision based on any figure shown on this website alone.

4. No government affiliation

QuoteWell Health is not affiliated with, endorsed by, or operating on behalf of any government agency. This includes the federal Health Insurance Marketplace, healthcare.gov, any state-based exchange, Medicare, and Medicaid. We are a private business.

Private, medically underwritten coverage is a different product from an ACA marketplace plan and is not required to include the ten essential health benefits. If you qualify for a meaningful premium tax credit through the marketplace, that is frequently the better option, and our advisors will tell you so.

5. Where we are licensed

QuoteWell Health places business through licensed insurance producers. Our producer of record, Elliott Leniton (National Producer Number 18657537), is licensed in 30 states: AL, AR, CO, DE, FL, GA, IA, IL, IN, KS, KY, LA, MD, MI, MO, MS, MT, NC, NE, NV, OH, OK, SC, SD, TN, TX, UT, VA, WI, and WV.

We can only quote, advise on, or place coverage in states where we hold an active licence. If you reside elsewhere, we may not be able to assist you, and will tell you so.

6. Who may use this site

You must be at least 18 years old and a resident of the United States to use this site. Our services are designed for people between 26 and 64. If you are 65 or older, or eligible for Medicare, the products we discuss here are generally not the right fit and you should speak with a Medicare-licensed agent instead.

7. Information you give us

You agree that the information you provide is accurate and that you are authorised to provide it. If you provide details about anyone other than yourself, you confirm you have the authority to do so on their behalf.

Inaccurate information can affect an application. If a carrier issues a policy based on information that turns out to be materially wrong, the carrier may be entitled to rescind or adjust that policy under its own terms and applicable state law.

8. Consent to be contacted

When you submit your contact details, you consent to be contacted by QuoteWell Health and its licensed advisors about health coverage, by phone, text, and email — including through automated dialing systems and prerecorded or artificial voices. We use a customer relationship management platform, Ringy, to store your enquiry and to place those calls, texts, and emails on our behalf.

This consent is not a condition of purchase. You may buy insurance through us without it. Message and data rates may apply and message frequency varies. Reply STOP to any text to opt out of texts, or contact us to be removed from calls. Full detail is in our Privacy Policy.

9. Not legal, tax, or medical advice

Nothing on this site is legal advice, tax advice, or medical advice. Comments about the deductibility of health premiums, subsidy eligibility, or how a plan might suit a medical condition are general information only. Speak to a qualified accountant, attorney, or physician about your own circumstances.

10. Intellectual property

The design, text, graphics, and code on this site belong to QuoteWell Health or are used under licence. You may view and print pages for your own personal use in evaluating coverage. You may not copy, republish, scrape, or use this site's content for a competing commercial purpose without our written permission.

11. Third-party sites

This site may link to carrier websites, scheduling tools, or other third-party services. We do not control those sites and are not responsible for their content, their accuracy, or how they handle your information. Their terms and privacy policies apply once you leave ours.

12. Disclaimer of warranties

This site is provided "as is" and "as available." To the fullest extent permitted by law, we disclaim all warranties, express or implied, including 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 that the estimates it produces will match any offer you ultimately receive.

13. Limitation of liability

To the fullest extent permitted by law, QuoteWell Health and its owners, employees, and advisors will not be liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits or lost data, arising from your use of this site or reliance on any estimate it produces.

Nothing in these terms limits any liability that cannot lawfully be limited, including liability for fraud, and nothing here limits the obligations a licensed insurance producer owes you under Florida insurance law.

14. Indemnification

You agree to indemnify QuoteWell Health against claims, losses, and reasonable legal costs arising from your misuse of this site, your breach of these terms, or your submission of information you were not authorised to provide.

15. Governing law

These terms are governed by the laws of the State of Florida, without regard to its conflict-of-law rules. Any dispute will be brought in the state or federal courts located in Hillsborough County, Florida, and you and we both consent to that venue.

This does not affect your right to file a complaint with the Florida Department of Financial Services or with the insurance regulator in your own state.

16. Changes

We may revise these terms. The date at the top of the page shows when they last changed. Continuing to use the site after a change means you accept the revised terms.

17. Contact us

QuoteWell Health
6550 W Hillsborough Ave
Tampa, FL 33634
(813) 843-5573
info@quotewellhealth.com