Terms of Use
Last updated: 2026-04-21
What this site is
cheapestacaplans.com is a free, no-account price-discovery tool for ACA-compliant individual health insurance. You enter a ZIP code, age, optional family members, and optional household income, and we surface the lowest-priced qualifying plan for your county and route you to the correct enrollment destination (HealthCare.gov, a state-based exchange, or a carrier-direct enrollment page for off-exchange plans). We do not sell insurance, do not enroll you, and do not act as a licensed broker or agent.
Not medical, legal, or financial advice
Plan prices, subsidy estimates, tobacco and catastrophic-plan rules, and state regulatory summaries are presented for informational purposes only. They are not medical advice, legal advice, or personal financial advice. Final eligibility, pricing, and coverage terms are determined by HealthCare.gov, your state exchange, or your insurance carrier at enrollment. Always confirm details directly with the enrollment source before relying on them.
Data accuracy
Plan data is refreshed annually during Open Enrollment preparation from public CMS and carrier rate-filing sources. We make a reasonable effort to keep pricing and regulatory information current, but plans, subsidies, and state rules change. We provide no warranty of accuracy, completeness, or fitness for any particular purpose. You should verify plan availability and pricing at HealthCare.gov or your state exchange before enrolling.
Your use of the site
Use the site for personal, non-commercial plan research. Do not attempt to rebuild the dataset by scraping or automated queries; rate-limiting is in place to protect site availability. Do not submit false or misleading information to the search form on behalf of another person.
Third-party links
Links from this site to HealthCare.gov, state exchanges, insurance carriers, government regulators, and other sources are provided for convenience. We are not responsible for the content, policies, or availability of those third-party sites. Their own terms and privacy policies govern your activity on them.
Future commercial relationships
cheapestacaplans.com does not currently accept advertising, sponsored placements, or paid insurer referrals. If we add a commercial relationship in the future (for example, becoming a broker of record for certain enrollments), we will disclose it clearly before activation and update these terms and the privacy policy accordingly.
Disclaimer of warranties and limit of liability
The site is provided "as is," without warranties of any kind, express or implied. We are not liable for any direct, indirect, incidental, consequential, or special damages arising from your use of the site or reliance on any information it provides. Your sole remedy if you disagree with anything here is to stop using the site.
Changes
We may update these terms from time to time. The "Last updated" date at the top reflects the most recent revision. Continued use of the site after changes means you accept the updated terms.
Contact
Questions about these terms: use the feedback link at the bottom of every page. For data handling questions specifically, see the privacy policy.