Effective Date: [JANUARY 1, 2026]

Welcome to Health Insurance Report Card (“we,” “us,” or “our”). By accessing or using this website, you agree to these Terms of Use. If you do not agree, do not use the site.

Health Insurance Report Card is a consumer reporting and documentation platform. The site allows individuals to submit factual accounts of health insurance claim experiences, which may be reviewed, anonymized, and aggregated to identify trends.

The website does not provide medical advice, legal advice, or insurance brokerage services.

Nothing on this website constitutes:

• Medical advice
• Legal advice
• Insurance advice or brokerage services

Use of this website does not create a professional, advisory, or fiduciary relationship of any kind.

By submitting a report, you represent that:

• The information provided is factual to the best of your knowledge
• You are submitting your own experience or information you are authorized to share
• You will not include medical records, diagnoses, or sensitive personal health information
• You will not submit false, misleading, defamatory, or unlawful content

We reserve the right to review, decline, remove, or restrict submissions that do not comply with these Terms.

By submitting content, you grant Health Insurance Report Card a non-exclusive, royalty-free, perpetual right to:

• Review, store, and process the submission
• Remove identifying information
• Aggregate the submission with others
• Use anonymized data for reporting, research, and public-interest purposes

Individual submissions may not be published verbatim.

Use of this website is also governed by our Privacy Policy. By using the site, you consent to the collection and use of information as described in that policy.

All content on this website, including text, graphics, logos, and design, is owned by or licensed to Health Insurance Report Card and is protected by applicable intellectual property laws.

You may not reproduce, distribute, or exploit site content without prior written permission, except for personal, non-commercial use.

You agree not to:

• Submit false or defamatory information
• Attempt to identify or contact individuals from anonymized data
• Use the site for harassment, solicitation, or commercial purposes
• Interfere with the operation or security of the website
• Use automated systems to access or scrape content without permission

The website is provided “as is” and “as available.” We make no warranties regarding accuracy, completeness, or availability of content.

We do not guarantee outcomes related to insurance claims, appeals, or disputes.

To the fullest extent permitted by law, Health Insurance Report Card shall not be liable for any direct, indirect, incidental, or consequential damages arising from use of the website or reliance on its content.

You agree to indemnify and hold harmless Health Insurance Report Card from any claims, damages, or expenses arising from your use of the site or violation of these Terms.

We may update these Terms of Use at any time. Changes will be posted on this page with an updated effective date.

These Terms are governed by the laws of the United States and the state in which Health Insurance Report Card operates, without regard to conflict-of-law principles.

Questions regarding these Terms may be directed to:

Health Insurance Report Card
Email: [info@healthinsurancereportcard.com]