Terms of Service

Last updated: March 31, 2026

Welcome to EasyFreeHealthcare.com. By accessing or using our website and services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

About our service

EasyFreeHealthcare.com is operated by a licensed health insurance broker. We provide a free eligibility screening tool that helps individuals determine whether they may qualify for subsidized health insurance through the Affordable Care Act (ACA) marketplace. If you are eligible, we can assist you with enrollment in an official ACA marketplace health plan.

Our service is provided at no cost to you. We are compensated by insurance carriers through broker commissions when you enroll in a health plan through our service.

Not medical or legal advice

The information provided on this website and through our eligibility screening tool is for general informational purposes only. It does not constitute medical advice, legal advice, tax advice, or a guarantee of eligibility for any health insurance program.

Our eligibility screening provides a preliminary assessment based on the information you provide. Final eligibility for health insurance subsidies, Medicaid, or other programs is determined by the Health Insurance Marketplace (HealthCare.gov), your state marketplace, or the applicable government agency.

AI-powered screening tool

Our eligibility screening chatbot uses artificial intelligence to process your responses and provide preliminary eligibility information. While we strive for accuracy, AI-generated responses may contain errors or may not account for every nuance of your personal situation. You should verify all information provided by the chatbot before making decisions about your health coverage.

The chatbot is not a substitute for professional advice from a licensed insurance agent, tax professional, or healthcare provider.

Accuracy of information you provide

You agree to provide accurate, current, and complete information when using our eligibility screening tool and during any enrollment process. Providing false or misleading information may affect your eligibility determination and could have legal consequences.

Eligibility and enrollment

We do not guarantee that you will qualify for free or low-cost health insurance. Eligibility depends on many factors including your income, household size, state of residence, immigration status, and access to other coverage. The information provided through our screening tool is an estimate only.

If you proceed to enrollment, you will be enrolling in an official Qualified Health Plan (QHP) through the ACA marketplace. Your enrollment is subject to the rules, regulations, and eligibility requirements established by the Centers for Medicare and Medicaid Services (CMS) and your state.

Broker relationship

By using our enrollment services, you acknowledge that a licensed insurance broker will serve as your agent of record for your marketplace health plan. As your broker of record, we may receive ongoing commissions from your insurance carrier for as long as you maintain your coverage. You are not obligated to use our services, and you may change your broker of record at any time through HealthCare.gov or your state marketplace.

No guarantee of coverage

We do not guarantee the availability, cost, or quality of any specific health insurance plan. Plan availability, premiums, benefits, and provider networks vary by location and are subject to change. The information we provide about plans and costs is based on the most current data available to us but may not reflect the most recent changes.

Intellectual property

All content on this website, including text, graphics, logos, and software, is the property of EasyFreeHealthcare.com or our licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without our written permission.

Limitation of liability

To the fullest extent permitted by law, EasyFreeHealthcare.com and its operators, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website or services, including but not limited to errors in eligibility screening, loss of coverage, or changes in premium costs.

Our total liability to you for any claim arising from your use of our services shall not exceed the amount you paid to us for those services (which is $0, as our service is free to consumers).

Third-party links and services

Our website may contain links to third-party websites, including HealthCare.gov, state marketplace websites, and insurance carrier websites. We are not responsible for the content, privacy practices, or terms of service of these third-party sites.

Modifications to terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective when posted on this page. Your continued use of our services after changes are posted constitutes your acceptance of the modified terms.

Governing law

These Terms of Service shall be governed by and construed in accordance with the laws of the State of North Carolina, without regard to its conflict of law provisions.

Contact us

If you have questions about these Terms of Service, please contact us at:

Email: support@easyfreehealthcare.com