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ProHealthcareJournal
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Terms of Use

Last updated: January 2026. Please read these Terms carefully before using our Site and services.

These Terms of Use ("Terms") govern your access to and use of prohealthcarejournal.com (the "Site") operated by ProHealthcareJournal. By using the Site, you agree to these Terms. If you do not agree, please do not use the Site.

Nature of our services

ProHealthcareJournal is a privately owned health insurance comparison and referral service. We are not an insurance company and we are not a government agency. We are not affiliated with or endorsed by the U.S. government, the federal Health Insurance Marketplace (Healthcare.gov), the Centers for Medicare & Medicaid Services (CMS), or any state agency. We connect consumers with licensed insurance agents who can provide quotes and facilitate enrollment. Insurance is offered and underwritten by the respective carriers.

No guarantee of coverage. Submitting information does not guarantee eligibility, enrollment, pricing, or subsidy amounts. Plan availability, benefits, and premiums vary by location, age, household size, and income, and are subject to carrier and Marketplace approval.

Eligibility

You must be at least 18 years old and a U.S. resident to use the Site and submit a request for insurance information.

Your responsibilities

  • Provide accurate, current, and complete information.
  • Use the Site only for lawful purposes.
  • Not attempt to disrupt, reverse engineer, or gain unauthorized access to the Site.

Consent to be contacted

By submitting a form, you consent to be contacted as described in our Privacy Policy (TCPA consent), including by phone, autodialer, prerecorded message, SMS, and email. Consent is not a condition of purchase, and you may opt out at any time.

Informational content only

Content on the Site, including articles in our Health Journal, is provided for general informational purposes and is not insurance, legal, tax, or medical advice. Always confirm plan details with a licensed agent and review official plan documents before enrolling.

Intellectual property

The Site and its content, trademarks, and logos are owned by or licensed to ProHealthcareJournal and are protected by law. You may not copy, reproduce, or distribute content without permission.

Third-party links

The Site may link to third-party websites. We are not responsible for the content, policies, or practices of those sites.

Disclaimers & limitation of liability

The Site is provided "as is" and "as available" without warranties of any kind, express or implied. To the fullest extent permitted by law, ProHealthcareJournal is not liable for any indirect, incidental, or consequential damages arising from your use of the Site or services.

Indemnification

You agree to indemnify and hold harmless ProHealthcareJournal and its partners from claims arising out of your use of the Site or violation of these Terms.

Governing law

These Terms are governed by the laws of the United States and the state in which ProHealthcareJournal is organized, without regard to conflict-of-law principles.

Changes to these Terms

We may update these Terms at any time. Continued use of the Site after changes constitutes acceptance of the revised Terms.

Contact

Questions? Email legal@prohealthcarejournal.com or call 1-800-555-0142.