Insurance Disclaimer

Insurance Simplified USA provides general educational information about insurance. Please read this disclaimer before relying on anything you read here.

Not Insurance Advice

Nothing on this Site constitutes insurance, legal, tax, or financial advice, and nothing here creates an insurer-insured, agent-client, or advisor-client relationship. We are not a licensed insurance agency, carrier, or broker in any U.S. state.

Calculators Provide Estimates, Not Quotes

Every calculator on this Site provides an educational estimate, not an insurance quote. Actual premiums and coverage costs vary by insurer, state, ZIP code, personal circumstances, coverage selections, deductibles, claims history, and other underwriting factors that a calculator cannot fully capture. Only a licensed carrier or agent can give you an actual, bindable quote.

Insurance Requirements Can Change

State minimum coverage requirements, Medicare rules, and ACA Marketplace rules change over time. Pages on this Site show when the information was last verified, but you should always confirm current requirements with your state’s Department of Insurance, Medicare.gov, or Healthcare.gov before purchasing or changing coverage.

No Guarantee of Outcome

We do not guarantee that using this Site will save you money, that any estimate will match a real quote, or that any particular coverage is right for your situation. Insurance decisions depend on your individual circumstances — consider speaking with a licensed agent or financial professional for personalized advice.

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Last updated: September 12, 2026