How We Work With Partners

HealthPlanLocator connects consumers with a network of licensed insurance agents, brokers, and carriers who can provide personalized health insurance quotes and guidance. When you submit a quote request through our website, your information is shared with our trusted partners who can help you find the right coverage.

Our Partner Network

Partner Standards

All partners in our network must meet strict standards:

• Licensing: Insurance agents and brokers must be properly licensed in the states where they operate
• Compliance: Partners must comply with all federal and state insurance regulations
• Privacy: Partners must adhere to privacy and data protection standards
• Ethics: Partners must follow ethical business practices and treat consumers fairly
• Training: Agents must stay current on insurance products and regulations

What to Expect

When you submit a quote request through HealthPlanLocator:

1. Information Sharing: Your contact information and insurance needs are shared with licensed agents and carriers in our network
2. Contact from Partners: You may be contacted by multiple partners via phone, email, or text message
3. Personalized Quotes: Partners will provide quotes and information tailored to your specific needs and location
4. No Obligation: You are under no obligation to purchase insurance from any partner
5. Free Service: Our referral service is completely free to consumers

Partner Compensation

HealthPlanLocator receives compensation from insurance agents, brokers, and carriers when we refer consumers to them. This compensation may be in the form of:

• Per-lead fees for qualified referrals
• Commissions if you enroll in coverage through a partner
• Marketing fees from partners

This compensation does not affect the price you pay for insurance. Insurance premiums are set by the insurance carriers and regulated by state insurance departments.

Not All Plans Available

Important: We do not offer every plan available in your area. The information we provide is limited to the plans offered by our partner network. For information on all available options:

• Medicare: Visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227)
• ACA Plans: Visit HealthCare.gov or your state's health insurance marketplace

Independent Contractors

The insurance agents and brokers in our network are independent contractors, not employees of HealthPlanLocator. We are not responsible for their actions, advice, or services. Any insurance advice or recommendations should come directly from licensed insurance professionals.

Compliance & Regulation

HealthPlanLocator and our partners comply with:

• Federal and state insurance regulations
• Centers for Medicare & Medicaid Services (CMS) marketing guidelines
• Telephone Consumer Protection Act (TCPA)
• CAN-SPAM Act for email communications
• State Do Not Call regulations
• Privacy laws including CCPA and GDPR where applicable

Questions About Partners

If you have questions about our partner network or wish to report a concern about a partner's conduct, please contact us: