Date: Sept. 24, 2025
Welcome to Policy Bear. By accessing or using our website and services, you confirm that you have read, understood, and agreed to be bound by these Terms. Please take a moment to read through them carefully.
These Terms & Conditions (“Terms”) explain and govern how you can use the Policy Bear website and services. If you do not agree with any part of these Terms, you should not use our services.
Policy Bear is a licensed health insurance agency that specializes in offering assistance with Affordable Care Act (ACA) marketplace plans and related services. We make health insurance less confusing and more accessible.
While we work with Healthcare.gov and government marketplaces, we are a privately owned, independent agency. We are not affiliated with or officially endorsed by Healthcare.gov, the U.S. government, or any federal or state marketplace.
To use our website or enroll in health plans through us, you must:
Be at least 18 years old (or the legal age in your state).
Be a resident of the United States
Use the site only for personal, lawful, and non-commercial purposes.
You may:
Access and browse our content for learning about health insurance
Submit your information to get personalized quotes
Speak with licensed agents.
Use our tools and calculators for educational purposes.
You may not:
Use our site for unlawful, fraudulent, or misleading purposes.
Reverse engineer, scrape, or attempt to extract source code.
Impersonate others or submit false information.
Disrupt our systems or violate security features.
We aim to keep all information on this site up to date and accurate. However:
Health insurance rules and regulations change frequently.
We do not guarantee the completeness, accuracy, or availability of all information at all times.
Plan details and pricing can shift during enrollment.
Final pricing and eligibility are determined by the insurance carrier or government exchange.
All content on our site is provided for informational and educational purposes only and does not constitute legal, financial, or medical advice.
Always consult with a licensed professional for personalized guidance before making decisions about your health coverage.
Our site may link to third-party websites or services, such as:
Health insurance carriers
Healthcare.gov
Affiliate tools and calculators
We are not responsible for the privacy practices, content, or policies of these third parties.
All content on the Policy Bear website, including:
Logos, branding, and design elements
Text, images, icons, and graphics
Tools, calculators, and downloads
...are owned or licensed by us and protected by copyright and trademark laws.
You may not copy, reproduce, or republish our content without written permission.
By using our services, you consent to:
Give our licensed agents contact you about your health insurance needs as our representatives.
Call you, send emails, or text messages (standard SMS/data rates may apply).
We provide our services “as is” and “as available” with no warranties or guarantees of any kind, express or implied, including:
Our website will never be uninterrupted or error-free.
Every plan we present will be available in your area.
Everything from our end or on our site will work perfectly all the time to meet your expectations.
We believe in being straightforward and transparent. That said, to the fullest extent permitted by law, we can’t take responsibility for everything. Policy Bear shall not be liable for:
Any direct or indirect damages arising from your use of the site.
Errors, delays, outages, or data loss.
Loss of eligibility or coverage due to inaccurate info provided by users.
Decisions made by insurance carriers and the government exchanges
We try our best to help you, but there are some things that are out of our control.
By using our services, you agree to indemnify and not hold Policy Bear or our team responsible for any claims, damages, or issues that come up because of your:
Use or misuse of our site
Violation of these Terms
Violation of any applicable law
We may update these Terms from time to time. When we do:
A revised version with a new effective date will be posted
Continued use of the site means you accept the updated Terms
If the changes are significant, we’ll do our best to let you know
These Terms and Conditions follow U.S. laws, no matter where you're using our site from.
Have questions about these Terms? Don’t hesitate reach out
Policy Bear – Legal Team
(844) POL-BEAR
[email protected]
222 S. Rainbow Boulevard STE 216, Las Vegas, NV 89145
Mon-Fri: 8AM-8PM EST
Live Chat Available
