Policy Bear is a privately owned, licensed health insurance agency dedicated to helping individuals and families explore, compare, and enroll in ACA-compliant health plans. We are not affiliated with, endorsed by, or connected to Healthcare.gov, the U.S. government, the Centers for Medicare & Medicaid Services (CMS), or any federal or state health insurance marketplace. We serve as your independent guide and advocate in the complex world of health insurance.

Policy Bear is a fully licensed and certified insurance agency authorized to help individuals enroll in ACA-compliant Qualified Health Plans (QHPs). Licensing and service availability may vary by state. 
Our goal is to provide helpful, easy-to-understand information about ACA plans and related insurance options. All content on this site is intended for educational and informational purposes only. We do not provide legal, tax, or medical advice. We encourage you to consult with licensed professionals for guidance tailored to your specific needs and situations.

We may be compensated by insurance carriers when individuals enroll in plans with our assistance. You will not be charged for our services; they are completely free. Our compensation does not influence the cost of your plan or our recommendations. We are committed to helping you find the best coverage that fits your needs.

Submitting your contact information on our website or speaking with our agents via phone, email, or SMS does not guarantee plan eligibility, enrollment, or approval. Final eligibility is determined by the federal or state marketplace, insurance carriers, or appropriate government agencies, depending on your circumstances.
This may include reminders, enrollment support, and updates about your coverage options. Consent is not a condition of purchase, and you may opt out of communications at any time.
We believe in transparency and value your privacy. When you use our website, you may provide personal information such as your name, contact details, household income, or health status through the website, phone consultation, or application process. You consent to the use of this data solely for determining your eligibility and assisting with enrollment. We strictly handle your data by our [Privacy Policy] and comply with federal data protection standards under the Affordable Care Act (ACA) to protect your Personally Identifiable Information (PII).

Healthcare laws, plan details, and insurance offerings are subject to change depending on regulatory updates and your location. We cannot guarantee that all information on our website reflects the most recent updates in healthcare plan specifics. We recommend verifying plan details directly with insurance carriers or consulting Healthcare.gov for the latest information.

Our website may include references to government resources or link to third-party websites, including those of insurance carriers and tools. We are not responsible for the content, accuracy, privacy practices, or services provided by these external sites. Policy Bear offers educational resources and enrollment assistance, but is not liable for healthcare decisions or plan selections based on information from our platform.
As healthcare regulations evolve, so do our services. Policy Bear reserves the right to update this Disclaimer at any time. We encourage users to review it periodically. Significant changes will be posted on our website.