The rules and conditions governing your use of AZHealthBrokers.com and all content, tools, and services on this site.
Effective Date: June 1, 2026 · Last Updated: June 1, 2026AZHealthBrokers.com is an independent broker matching service owned and operated as a lead-generation and referral platform. We connect Arizona residents who are seeking health insurance coverage with licensed, independent insurance brokers who serve the Arizona market.
We are not an insurance carrier, we do not underwrite insurance, we do not issue policies, and we do not make coverage decisions. We also operate sister sites serving other states under the same business model.
By accessing or using AZHealthBrokers.com — including browsing any page, using the AI advisor, submitting any form, or clicking any link — you confirm that you:
If you are using this site on behalf of a business or organization, you represent that you have authority to bind that entity to these Terms.
All content on AZHealthBrokers.com — including articles, guides, plan comparisons, premium estimates, benefit descriptions, eligibility summaries, and AI-generated responses — is provided for general educational and informational purposes only.
This content is intended to help consumers understand how health insurance products and markets work in general terms. It is not tailored to your individual circumstances, health status, financial situation, or specific coverage needs.
Nothing on this site constitutes:
All benefits, coverage terms, exclusions, limitations, waiting periods, and conditions of any insurance product are governed exclusively by the policy certificate and endorsements issued by the insurance carrier. In the event of any conflict between content on this site and an actual policy document, the policy certificate governs.
Insurance is regulated by the Arizona Department of Insurance and Financial Institutions (DIFI). Brokers in our network are independently licensed in the state of Arizona. Residents of other states should consult a licensed producer in their state of domicile.
Our AI Coverage Advisor is a general educational tool powered by a third-party AI language model. By using the AI advisor, you acknowledge and agree that:
The Rate Check Tool transmits anonymized household parameters to the federal CMS Marketplace API to retrieve estimated plan data. Results are estimates only. Actual premiums, subsidies, and plan availability depend on your complete household details and are subject to verification during formal enrollment.
When you submit a broker request form on this site, you are requesting to be connected with a licensed independent insurance broker. By submitting the form, you understand and agree that:
If you have a complaint about a broker who contacted you through this site, please contact us so we can address the issue. You may also file a complaint with the Arizona Department of Insurance and Financial Institutions at difi.az.gov.
We make reasonable efforts to keep the content on this site accurate, current, and complete. However, we make no representations or warranties as to the accuracy, completeness, timeliness, or reliability of any content on this site.
Premium estimates, cost comparisons, subsidy illustrations, claim examples, and benefit amounts appearing on this site are hypothetical and provided for educational illustration only. They are not quotes, guarantees of coverage, or predictions of future premiums. Obtain a formal quote from a licensed broker before making any purchasing decision.
Insurance carrier names, plan names, network details, and carrier availability are subject to change without notice. Carrier participation in the Arizona marketplace changes annually. Information about specific carriers or plans on this site may not reflect current offerings.
By using this site, you agree not to:
We reserve the right to block access to this site for any user we determine is violating these Terms or misusing our services.
All content on AZHealthBrokers.com — including text, graphics, logos, page layouts, tool designs, and educational guides — is the property of AZHealthBrokers.com or its content licensors and is protected by applicable copyright and intellectual property laws.
You may view and print content from this site for your own personal, non-commercial use. You may not:
Carrier names, plan names, and program names mentioned on this site (healthcare.gov, AHCCCS, Medicare, etc.) are the property of their respective owners and are used here for informational and descriptive purposes only. AZHealthBrokers.com is not affiliated with, endorsed by, or sponsored by any carrier, government agency, or program referenced on this site.
This site contains links to third-party websites and resources, including healthcare.gov, medicare.gov, healthearizonaplus.gov, difi.az.gov, irs.gov, and others. These links are provided for your convenience and informational purposes only.
We do not control, endorse, or take responsibility for the content, privacy practices, or accuracy of any third-party website. When you click a link to a third-party site, you leave AZHealthBrokers.com and are subject to that site's own terms of use and privacy policy.
References to specific carriers, government programs, or other organizations on this site do not constitute endorsement or affiliation.
THIS SITE AND ALL CONTENT, TOOLS, AND SERVICES PROVIDED ON OR THROUGH IT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, AZHEALTHBROKERS.COM DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:
Some jurisdictions do not allow the exclusion of implied warranties, so some of the above exclusions may not apply to you.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, AZHEALTHBROKERS.COM AND ITS OWNERS, OPERATORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THIS SITE, INCLUDING BUT NOT LIMITED TO:
In no event shall our total liability to you for all claims arising out of or related to your use of this site exceed one hundred dollars ($100).
Some jurisdictions do not allow the limitation of liability for certain damages, so some of the above limitations may not apply to you.
You agree to indemnify, defend, and hold harmless AZHealthBrokers.com and its owners, operators, employees, and agents from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:
These Terms of Use are governed by and construed in accordance with the laws of the State of Arizona, without regard to its conflict of law provisions.
Any dispute arising out of or relating to these Terms or your use of this site shall first be submitted to good-faith informal negotiation. If the dispute is not resolved within 30 days, it shall be submitted to binding arbitration in Maricopa County, Arizona under the rules of the American Arbitration Association, except that either party may seek injunctive or other equitable relief in a court of competent jurisdiction to prevent irreparable harm.
You agree that any dispute resolution proceedings will be conducted on an individual basis and not as a class action or representative action.
We may update these Terms of Use at any time to reflect changes in our practices, legal requirements, or site features. When we make material changes, we will update the "Last Updated" date at the top of this page.
Your continued use of this site after any update constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically. If you do not agree to the revised Terms, you should discontinue use of this site.
If you have questions about these Terms of Use, wish to report a concern, or need to contact us for any reason related to these Terms, please reach out:
Website: azhealthbrokers.com
Email: legal@azhealthbrokers.com
For privacy-related requests, including data deletion, please email privacy@azhealthbrokers.com or visit our Privacy Policy.