Disclaimer

1. General Disclaimer

All information on USHealthCosts.com is provided "as is" with no guarantee of completeness, accuracy, timeliness, or of the results obtained from the use of this information. USHealthCosts.com makes no warranties, express or implied, regarding the information provided on this website.

Health insurance costs, medical expenses, and ACA subsidies vary significantly based on numerous factors including age, location, health status, income, household size, plan selection, and market conditions. The estimates provided on this website are approximations for educational purposes only.

2. Not Medical Advice

This website does not provide medical advice. The information on USHealthCosts.com is not intended to diagnose, treat, cure, or prevent any disease or medical condition. You should not use this information to diagnose or treat health problems or prescribe any medication or treatment.

Always seek the advice of your physician or other qualified health provider with any questions you may have regarding a medical condition. Never disregard professional medical advice or delay in seeking it because of something you have read on this website.

In case of medical emergencies, call 911 or go to the nearest emergency room immediately, regardless of cost concerns.

3. Not Insurance or Financial Advice

This website does not provide insurance or financial advice. USHealthCosts.com is not an insurance broker, agent, or financial advisor. We do not sell insurance policies or financial products.

Information about insurance costs, premiums, subsidies, and coverage options is for educational purposes only. Always consult with:

• Licensed insurance agents or brokers for policy recommendations
• The official Health Insurance Marketplace for accurate subsidy calculations
• Insurance company representatives for specific plan details and coverage
• Financial advisors for personalized financial planning

4. Cost and Pricing Information

All cost estimates are approximate. Health insurance premiums and medical procedure costs shown on this website are estimates based on available data sources and may not reflect actual costs in your area.

Actual costs vary based on:

• Health Insurance: Age, location (county/zip code), plan type, household size, tobacco use, and whether you qualify for subsidies
• Medical Costs: Facility type (hospital vs. clinic), geographic region, insurance status, negotiated rates, complexity of procedure, and individual health factors
• ACA Subsidies: Exact household income (MAGI), household composition, state marketplace vs. federal marketplace, and annual policy changes

Always verify costs directly with insurance providers, healthcare facilities, or the official Health Insurance Marketplace before making decisions or financial commitments.

5. Data Sources and Accuracy

We compile data from publicly available sources including:

• Healthcare Bluebook
• FAIR Health Consumer
• Centers for Medicare & Medicaid Services (CMS)
• State health insurance marketplaces
• Hospital and facility pricing data
• Federal poverty level guidelines

While we strive to maintain accurate and current information, healthcare costs change frequently. We cannot guarantee that all data is up-to-date or error-free. Information may be outdated by the time you access it.

6. State-Specific Variations

Health insurance regulations, costs, and marketplace rules vary significantly by state. Information provided may not apply to all states equally. Some states have their own health insurance marketplaces with different eligibility rules, subsidies, or plan options than the federal marketplace. Always verify state-specific information with your state's official health insurance resources.

7. Third-Party Links

This website contains links to third-party websites for your convenience. We do not endorse, warrant, or guarantee the content, products, or services offered by third-party sites. We are not responsible for the accuracy, privacy practices, or content of external websites. Use of any linked website is at your own risk.

8. No Endorsements

Reference to any specific insurance company, healthcare provider, facility, product, service, process, or other information by name, trademark, manufacturer, or otherwise does not constitute or imply endorsement, recommendation, or favoring by USHealthCosts.com.

9. Limitation of Liability

USHealthCosts.com and its owners, operators, employees, and affiliates shall not be liable for any damages (including but not limited to financial losses, medical decisions, business interruption, or loss of information) arising from:

• Use of or reliance on information provided on this website
• Inability to access or use the website
• Errors, omissions, or inaccuracies in the content
• Third-party content or links
• Medical, insurance, or financial decisions made based on website content

10. No Professional Relationship

Using this website or contacting us does not create a professional relationship (medical, legal, insurance, financial, or otherwise) between you and USHealthCosts.com. We are not your doctor, lawyer, insurance agent, or financial advisor.

11. Changes and Updates

We reserve the right to modify, update, or remove any content on this website at any time without notice. We are not obligated to update information for accuracy or changes in healthcare costs or insurance regulations.

12. Your Responsibility

It is your responsibility to:

• Verify all cost estimates with actual providers, insurers, or marketplaces
• Consult qualified professionals (doctors, insurance agents, financial advisors) for personalized advice
• Read and understand policy documents, terms, and conditions before purchasing insurance
• Make informed decisions based on your specific circumstances, not solely on information from this website
• Seek immediate medical attention in emergencies, regardless of cost concerns

13. Contact Information

If you have questions about this Disclaimer, please contact us at: Contact Page