Terms & Conditions
Acceptance of Terms
IMPORTANT! PLEASE READ CAREFULLY. THIS IS A CONTRACT BETWEEN YOU AND GOHEALTH, LLC(“GOHEALTH”). BY USING THIS WEBSITE AND THE SERVICES OFFERED ON THIS WEBSITE(“SERVICES”), YOU ACCEPT ALL TERMS AND CONDITIONS OF THIS AGREEMENT. YOUR ACCESS AND USE OF THIS WEBSITE OR SERVICES CONSTITUTES YOUR AGREEMENT TO ABIDE BY EACH OF THE TERMS AND CONDITIONS SET FORTH BELOW. If You disagree with any of the terms that follow, or do not agree to be bound by all such terms, do not use this Website or any of its related Services.These Terms and Conditions are to be read in conjunction with the above Privacy Policy, which are incorporated herein by reference.Dispute Resolution Notice
THESE TERMS CONTAIN CERTAIN CONDITIONS REGARDING CONSENTING TO DISPUTE RESOLUTION BY ARBITRATION. DISPUTES ARISING FROM YOUR USE OF THE WEBSITE OR SERVICE WILL BE RESOLVED VIA ARBITRATION EXCEPT AS OTHERWISE NOTED BELOW. THESE TERMS REQUIRE YOU TO GRANT US CERTAIN CONSENTS, RIGHTS, ACKNOWLEDGEMENTS, AND LICENSES, AND LIMIT OUR LIABILITY AND OBLIGATIONS TOYOU INCLUDING RESTRICTIONS ON FILING CLASS RELATED CLAIMS.About This Site
This Website is part of the GoHealth network. GoHealth.com, GoHealth.com/shop, andmedicare.gohealth.com (collectively “Website(s)”) are an online service, specializing in providing insurance quotes, enrollment options, and connecting insurance shoppers with professionals who can assist them. GoHealth does not endorse any particular insurance plan, provider, or agent. Any information provided about any particular insurance plan, provider, or agent shall not be construed as an endorsement by GoHealth.Personal and Noncommercial Use Limitation
In consideration of Your use of the Site and Services, You agree to provide true, accurate and current information about yourself as prompted by the required registration forms. This Site is for Your personal, noncommercial use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products or service found on or obtained from the Site; provided that You may download, reproduce, and retransmit GoHealth Information solely for non-commercial purposes within Your organization. With the exception of the foregoing limited authorization, no license or right in any copyright of GoHealth or any other party is granted or conferred to You.Trademarks, Copyright and Proprietary Rights Information
The Site may contain technical inaccuracies or typographical errors or omissions. GoHealth reserves the right to make changes, corrections and/or improvements to the Site, and to theServices, products, and programs described in such information, at any time without notice.This Site contains, displays, and references trademarks, trade names, trade dress, logos, and service marks (collectively, the “Trademarks”) that are the registered and/or unregistered Trademarks of GoHealth, or such other third party that may own the displayed Trademarks. Patents, copyrights, Trademarks, trade secrets, patents, technologies, products, processes or other proprietary rights are the property of GoHealth or its third-party licensors. No license or right to or in any such Trademarks, patents, trade secrets, technologies, products, processes and other proprietary rights of GoHealth and/or other parties is granted to or conferred upon You. Third party logotypes, brand marks, and service marks are the property of their respective owners.The text, Trademarks, logos, images, graphics, photos, video files, application functionality, or any other digital media, and their arrangement on this Website(“Content”) are all subject to patent, copyright, trademark and other intellectual property protection. Access to and uses of this Website are solely for your purchase of GoHealth Services for personal use, information, education, and communication with GoHealth. You may download, copy or print the Content of this Website for your personal non-commercial use only.
We retain all rights, title, and interest in and to Our Site and Services, including all content, data, materials, specific implementations of XHTML, CSS, and other code, the look and feel, the design, and all other aspects of the trade dress of this Site, and retain all intellectual and property rights therein. All rights not expressly granted to you by theseTerms are reserved by GoHealth and its third-party licensors.
Use of Our Services by You does not grant to You ownership of Our Services, and any commercial use or exploitation of the Service by You is expressly prohibited. You may not exploit, copy, redistribute, or reproduce any aspect of Our Services. Doing so may be a violation of applicable Federal and state laws and may subject You to liability.
We reserve all the rights to Our Site contents, and may at Our discretion change the contents of the Site, or restrict access to certain sections of the Site, or to discontinue any aspect of the Site or Services, including, but not limited to content, features, hours of availability, without notice or penalty.
Information You Provide and Consent to Data Collection
By visiting this Website, activating our digital app, clicking on the link to this Website, or being actively redirected to this Website, digital app, or Services via any of our digital partners you acknowledge and expressly consent to our use and our digital partners’ use of standard internet data collection, processing and marketing practices that includes the use any number of tools, including, without limitation, cookies, analytic data collection technologies, chatbots, session replay technologies, identity graphing, web beacons, pixel-based technologies, and other similar technologies to collect information about your use of the Services. Your acceptance and consent to ours and our digital partners’ use of such technology includes your ratification of our use of such technologies in the processes related to loading and executing code within your access device or web browser. The information we collect and may disclose to our digital partner sand service providers includes without limitation, device information including identifiers, access point information, website usage information, computer operating systems, IPaddresses, and the web browser that you use to connect to our Website and Service. With your consent and acknowledgment, you expressly agree to waive any and all claims against us or our digital partners under state eavesdropping, wiretapping, or pen register and/or trap and trace laws, or any similar laws related to pen register and/or trap and trace devices or processes to the extent such claims arise from our digital operations. Notwithstanding your ratification to the initial use of our data collection technologies, if you cannot accept these terms, or if you wish to withdraw your consent, you may not use our Website, digital app, or Services, and in either case your continued use of Services revives your consent.We permit our Website visitors to opt-out of certain targeted advertising practices and information sales and sharing practices (GoHealth does not sell personal information). Our opt-out mechanism can be accessed here
Your Use of The Service
You warrant and agree that, while using Our Services, You will not do any of the following:- impersonate any other person or entity
- submit any information pertaining to a third party without that party’s understanding and
- express consent
- submit false or misleading information
- exploit Our Services for any commercial reason, including predatory litigation
- engage in any activity prohibited under the CAN-SPAM Act
- engage in any criminal or otherwise unlawful behavior
- commit any action which could give rise to civil liability
- restrict others from making use of Our Services
- upload or attempt to upload any computer virus, malicious computer code, file program,
- or any other digital property
- commit any action that interferes with, blocks, or otherwise harms Our Services
Links to the Website
You may not establish a hypertext “link” to the Site and/or distribute, modify or re-use the text or graphics of the Site unless You obtain prior express written permission from GoHealth allowing You to do so.Links to Third Party Sites
This Site may contain links to sites that are controlled by third parties. These linked sites are not under the control of GoHealth, and GoHealth is not responsible for the contents of any linked site or any link contained in a linked site. GoHealth is providing those links to You only as a convenience, and the inclusion of any link does not imply endorsement by GoHealth of any linked site or constitute any warranty by GoHealth of any linked site or any items contained on such site.Governing Law
Any disputes arising out of or related to the Site shall be governed by and construed and enforced in accordance with, the laws of the State of Illinois applicable to contracts entered into and to be performed entirely within the State of Illinois. Further, as a condition of Your use of the Site, You warrant to GoHealth that You will not use the Site for a purpose that is unlawful or prohibited by these terms, conditions, and notices.Arbitration and Concerted Action Waiver
Any dispute arising out of or related to the Site or Services shall be settled through arbitration administered by the American Arbitration Association (“AAA”) and under the appropriate rules of the AAA. You further agree that the arbitration shall take place in Chicago, Illinois. The parties further acknowledge and agree that both parties will faithfully observe this agreement and the AAA rules, will abide by and perform any award rendered by the arbitrator(s), and that a judgment of any court having jurisdiction may be entered on the award. We will not enforce arbitration for individual disputes being pursued solely in the Pro Se Small Claims Court of the Circuit Court of Cook County, Illinois.Further, arbitration must be on an individual basis. Neither You nor We may join, consolidate, or form a class, in arbitration or through any form of litigation for a dispute of any amount. You may reject the Arbitration and Concerted Action Waiver agreement but only if We receive from You a written notice of rejection within 30 days of Your use of this Site. You must send the notice of rejection by certified mail to: GoHealth, LLC 222 WestMerchandise Mart Plaza, Suite 1750 Chicago, IL 60654 ATTN: General Counsel.
Disclaimer of Warranties
Our Services are provided on an “as is” and “as available” basis to the fullest extent permitted by law, We make no representations of warranties of any kind, express or implied, regarding the use of the Site or Services. We disclaim all warranties regarding the accuracy or reliability of the information provided, including but not limited to warranties of title or implied warranties of merchantability, fitness for a particular purpose, or non-infringement, other than those warranties which are imposed by and incapable of exclusion, restriction, or modification under the laws applicable to this agreement.WE DO NOT WARRANT THAT THE SERVICE WILL BE SECURE, UNINTERRUPTED, OR ERROR-FREE. WE MAKE NO WARRANTY THAT THE SERVICE WILL MEET YOUR REQUIREMENTS. WE ATTEMPT TO PROVIDE ACCURATE INFORMATION REGARDING INSURANCE PRODUCTS AND SERVICES; HOWEVER, WE CAN MAKE NO REPRESENTATION OR WARRANTY AS TO THE ACCURACY OR RELIABILITY OF THIS INFORMATION. THE INFORMATION PROVIDED ON THIS SITE IS NOT INTENDED TO CONVEY HEALTH, TAX, OR LEGAL ADVICE.FOR MORE DETAILED EXPLATIONS OF THE LAWS, PLEASE CONSULT AN ATTORNEY OR CERTIFIED PUBLIC ACCOUNTANT, AS MAY BE APPROPRIATE.
WE MAKE NO REPRESENTATION, EITHER EXPRESS OR IMPLIED, OF ANY SPONSORSHIP BY ANY COMPANY MENTIONED ON THIS SITE, OR OF ANY OTHER RELATIONSHIP WITH ANY SUCH COMPANY. WE MAKE NO GUARANTEE, EXPRESSED OR IMPLIED, THAT A USER WILL BE ABLE TO OBTAIN A QUOTE FROM ANY PARTICULAR COMPANY OR PROVIDER MENTIONED ON THIS SITE.AVAILABILITY OF PRODUCTS OR SERVICES MAY VARY BY STATE AND MAY NOT BE AVAILABLE TO YOU. NO ADVICE, RESULTS, OR INFORMATION,WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US OR THROUGH THE SITE OR SERVICES WILL CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN.
Limitation of Liability
WE SHALL NOT BE LIABLE FOR ANY DAMAGES WHATSOEVER, AND IN PARTICULAR, WE SHALL NOT BE LIABLE FOR ANY SPECIAL, INDIRECT, CONSEQUENTIAL, OR INCIDENTAL DAMAGES, OR ANY DAMAGES FOR LOSTP ROFITS, LOSS OF REVENUE, OR LOSS OF USE, ARISING OUT OF OR RELATED TO THE SERVICE OR THE INFORMATION CONTAINED IN IT, WHETHER SUCH DAMAGES ARISE IN CONTRACT, NEGLIGENCE, TORT, UNDER STATUTE, IN EQUITY, AT LAW, OR OTHERWISE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OFSUCH DAMAGES. YOU HEREBY WAIVE ANY AND ALL CLAIMS AGAINST GOHEALTH, ITS AGENTS,REPRESENTATIVES AND LICENSORS ARISING OUT OF YOUR USE OF THE WEBSITE OR SERVICE.Indemnification
You agree to indemnify and hold harmless GoHealth (and its parents, directors, officers, employees, subsidiaries, agents, and affiliates) from any and all claims, liabilities, costs, and expenses, including reasonable attorneys’ fees and costs, due to or arising in any way from the use or misuse by You of the Service, Your violation of these Terms andConditions, Your violation of any law, or infringement by You of any right of any person or entity.Other
If any provision of these Terms and Conditions is found to be invalid or unenforceable, the other provisions shall remain in full force and effect. Further, You agree that for any provision that may be found to be invalid and unenforceable, You shall ask the court to endeavor to give effect to the intent of the provision. These Terms and Conditions constitute the full understanding between You and Us. You agree that any claim arising from or related to the Service must be filed within twelve (12) months of Your use of theService, regardless of any statute or law to the contrary.Notice and Disclaimers
THE WEBSITE AND CONTENT PROVIDED ON THIS WEBSITE ARE PROVIDED “AS IS” AND“WITH ALL FAULTS” AND “AS AVAILABLE.” TO THE FULLEST EXTENT PERMITTED BY LAW, GOHEALTH MAKES NO WARRANTY OR REPRESENTATION, EITHER EXPRESS OR IMPLIED,AS TO THE WEBSITE’S CONTENT, ACCURACY, APPROPRIATENESS, AVAILABILITY, SECURITY,USEFULNESS, TIMELINESS; PERFORMANCE OF THIS WEBSITE; WHETHER THE WEBSITE WILL MEET YOUR REQUIREMENTS; TITLE, NON-INFRINGEMENT, OR MISAPPROPRIATION OF INTELLECTUAL PROPERTY RIGHTS OF THIRD PARTIES; CUSTOM; TRADE; QUIET ENJOYMENT; OR SERVICES OR GOODS RECEIVED THROUGH OR ADVERTISED ON OUR WEBSITE OR ACCESSED THROUGH THE WEBSITE OR OUR MOBILE DEVICE APPLICATION.AS A USER, YOU ASSUME ALL RISKS AND RESPONSIBILITIES FOR YOUR USE OR NON-USE OF THE WEBSITE, AND GOHEALTH MAKES NO REPRESENTATION THAT THE CONTENT APPEARING ON OR DOWNLOADED FROM THIS WEBSITE IS COMPATIBLE WITH YOUR ACCESS DEVICE OR FREE FROM ERROR OR VIRUSES. NO EMPLOYEE,AGENT, OR REPRESENTATIVE OF THE GOHEALTH IS AUTHORIZED TO MODIFY OR AMEND THIS WARRANTY. TOTHE EXTENT ALLOWABLE BY EXISTING LAW, GOHEALTH DISCLAIMS ALL OTHER WARRANTIES, EITHER EXPRESSED OR IMPLIED, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, WITH RESPECT TO THIS WEBSITE AND ITS CONTENT.SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, OR LIMITATION ON HOW LONG AN IMPLIED WARRANTY LASTS, SO THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU.
Artificial Intelligence Disclosure and Disclaimer.
THE SERVICES AVAILABLE ON THIS PLATFORM OR OUR INTERNAL PROCESSES MAY RELY ON TECHNOLOGY SOLUTIONS THAT ENABLE COMPUTERS, COMPUTER SYSTEMS, AND DIGITAL DEVICES TO PROCESS, CREATE,AND ENHANCE ALGORITHMS THAT LEARN, READ, WRITE, CATEGORIZE, CLASSIFY, PREDICT, ENGAGE,INTERACT, GENERATE, PLAY, ANALYZE, MAKE RECOMMENDATIONS, INFLUENCE PHYSICAL, REAL, OR VIRTUAL ENVIRONMENTS, AND IMITATE WITH APPARENT ACCURACY AND/OR SUGGESTIVE SUPERIORITY. THE OUTPUT REPRESENTING THESE ACTIVITIES ARE MADE TO APPEAR COMPARABLE TO HUMANS PERFORMING SIMILAR TASKS OR SERVICES BY ACCESSING AND PROCESSING AVAILABLE HISTORICAL AND CURRENT DATA AND RE-ITERATIVE PROCESSING FOR PURPOSES OF PRODUCING AND IMPROVING SUCH ACTIVITIES,OUTPUTS, AND APPARENCIES (“AI”). OUR ACCEPTABLE USE POLICIES AND PROCEDURES THAT GOVERN OUR USE OF AI PROHIBIT THE TECHNOLOGY FROM BEING USED TO GENERATE CONTENT THAT IS DISCRIMINATORY OR HARMFUL. AI IS NOT USED BY OUR PLATFORM TO MAKE EMPLOYMENT RELATED DECISIONS OR OTHER DECISIONS THAT HAVE LEGAL EFFECT.YOU ACKNOWLEDGE THAT INDUSTRY, REGULATORY, AND LEGAL STANDARDS THAT RELATE TO THE DEVELOPMENT AND USE OF AI ACROSS VARIOUS INDUSTRIES ARE IN VARIOUS STAGES OF DEVELOPMENT,AND THAT YOU ARE SOLELY RESPONSIBLE FOR ENSURING THAT YOUR USE OF AI-BASED PRODUCTS AND SERVICES COMPLY WITH YOUR ASSESSMENT OF YOUR PERSONAL OR BUSINESS RISKS, OBJECTIVES,INDUSTRY STANDARDS, COMPLIANCE REQUIREMENTS, AND OTHER OBLIGATIONS RELATED TO THE USE OF AI.YOU AGREE TO FULLY INDEMNIFY AND HOLD GOHEALTH AND ITS AFFILIATES HARMLESS FROM AND AGAINST ANY AND ALL MATTERS RELATED TO YOUR NON-COMPLIANCE WITH SUCH INDUSTRY STANDARDS, COMPLIANCE REQUIREMENTS, OR OBLIGATIONS.
YOU ACKNOWLEDGE THAT GOHEALTH IS NOT RESPONSIBLE FOR YOUR RELIANCE ON AI-BASED PRODUCTS AND SERVICES, AND YOU WAIVE ALL CAUSES OF ACTION, CLAIMS, AND/OR POTENTIAL CLAIMS AGAINST GOHEALTH THAT MAY ARISE FROM YOUR USE OF OR RELIANCE ON ANY OF OUR AI-BASED PRODUCTS OR SERVICES. YOU ACKNOWLEDGE AND AGREE THAT GOHEALTH MAY IMMEDIATELY AND WITHOUT PRIOR NOTICE CEASE PROVIDING AI-BASED PRODUCTS AND SERVICES WITHOUT PENALTY OR FURTHER OBLIGATION TO YOUIF GOHEALTH DETERMINES IN ITS SOLE DISCRETION THAT CONTINUED PROVISIONS OF SUCH AI-BASED PRODUCTS AND SERVICES MAY VIOLATE LAW OR POSE SIGNIFICANT LEGAL RISKS OR CONTRACTUAL LIABILITY TO GOHEALTH.
THE OUTPUT GENERATED BY YOUR USE OF AND YOUR INTERACTION WITH AI MAY BE PRONE TO ERRORS OR UNINTENDED OR NON-RELEVANT RESPONSES, AND ARE SUBJECT TO THE INTEGRITY OF THE UNDERLYING DATA AND INFORMATION ON WHICH OUR AI TECHNOLOGY IS BASED. AS SUCH, GOHEALTH DOES NOT REPRESENT OR WARRANT THAT THE OUTPUT WILL ADDRESS ALL OR ANY OF YOUR REQUIREMENTS OR EXPECTATIONS CONSIDERED IN YOUR DECISION TO ENGAGE WITH THE PLATFORM, AND GOHEALTH DOES NOT REPRESENT OR WARRANT THE CONTENT GENERATED IN CONNECTION WITH YOUR SPECIFIC ENGAGEMENT WITH THE PLATFORM.
NOTWITHSTANDING THE OWNERSHIP AND LICENSING RIGHTS SET FORTH ABOVE, GOHEALTH SHALL BE THE EXCLUSIVE OWNER OF ALL AI-PRODUCED DATA, INFORMATION, AND LEARNING BI-PRODUCTS THAT ARE BASED ON YOUR SPECIFIC INFORMATION INPUT. FOR AVOIDANCE OF DOUBT, AI-PRODUCED DATA,INFORMATION, AND LEARNING BI-PRODUCTS INCLUDE, WITHOUT LIMITATION, NEW DATA SETS, DATA RELATIONSHIPS, PREDICTIVE FACTORS, GENERAL LEARNING, AND ALGORITHMS, AND ONLY THE DIRECT AND SPECIFIC RESPONSES AND/OR OUTPUT PRODUCED IN RESPONSE TO YOUR SPECIFIC REQUEST ARE EXCLUDED FROM AI-PRODUCED DATA, INFORMATION, AND LEARNING BI-PRODUCTS.
Consent to Electronic Communications.
The Website may include certain features and services that may be available via your mobile phone, including, without limitation: (a) the ability to receive and reply to messages and to send content and messages using text messaging (Mobile Texts), and (b) the ability to access the Website from your mobile phone (Mobile Web) (collectively, the “MobileServices”). We do not charge for Mobile Services. Your carrier’s normal messaging, data and other rates and fees will still apply. Certain Mobile Services may be incompatible with your carrier or mobile device. By using the Mobile Services you agree that we may communicate with you regarding the Website and our partners by SMS, MMS, text message, or other electronic means to your mobile device and that certain information about your usage of the Mobile Services will be communicated to us.You agree that in connection with the Mobile Services for which you are registered we may send communications to your mobile device regarding us or other parties. Further, we may collect information related to your use of the Mobile Services. If you have registered for Mobile Services, you agree to notify us of any changes to your mobile number and update your account(s) on the Website to reflect this change.By registering via this Website, or by sending us or our Affiliates emails, faxes, push notifications, or text or voice messages, you are communicating with us electronically. And in doing so, you expressly consent to receive communications from us electronically via email, fax, push notification, or voice or text message, whether pre-recorded or auto-dialed(“Digital Means”). We will communicate with you by the aforementioned DigitalMeans, or by posting notices on this Website. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. Your carrier’s normal messaging, data, and other rates and fees will still apply.
International Users Consent to Cross-border Transfers of Personal Information.
For those Website users or career employment applicants who are located outside the UnitedStates, you acknowledge and expressly consent to GoHealth’s use of your personal information, which at times will be accessible by individuals who are located world wide including in countries that the European Commission or other geopolitical regions that have not been determined to provide the same level of data protection as in your country, province, territory or geopolitical region, and that such information may be accessed by the courts, law enforcement and national security authorities of such jurisdictions. By providing us with your personal information, you are consenting to our use of your personal information in accordance with these Terms and the terms of our third-party service providers, including the transfer of your information across international boundaries, including areas outside of the European Economic Area (“EEA”), to jurisdictions anywhere in the world as permitted by local law.Changes and Updates
We reserve the right to make changes and update Our Privacy Policy and these Terms andConditions at any time, at Our sole discretion. An updated copy of Our Privacy Policy and these Terms and Conditions will be kept clearly posted and accessible on this Site at all times.Contacting Us
If you have any questions about GoHealth, this Website, Our Service, Privacy Policy or OurTerms and Conditions, you may contact us at:GoHealth, LLC
Attn: General Counsel
222 West Merchandise Mart Plaza, Suite 1750
Chicago, IL 60654
1-800-219-9053
If your personally-identifiable information changes, or if you no longer desire our service, you may correct, update, delete or deactivate it by emailing our Customer Support at customerservice@gohealth.com.
We will retain your information for as long as your account is active or as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
Effective January 31, 2025