Terms of use

Who we are

This website is operated by Quote Variety. OEP Navigator is an independent insurance information and referral service. It is not an insurance carrier, the Health Insurance Marketplace, or a government-certified Marketplace Navigator. We are not affiliated with or endorsed by the U.S. government or HealthCare.gov.

What this website does

You can read information about ACA health insurance and submit a request for Quote Variety to contact you. A request is not a quote, insurance application, eligibility determination, offer of coverage, or enrollment. This website does not display a complete inventory of available plans or provide real-time personalized prices.

You may explore official Marketplace options directly at HealthCare.gov without submitting a request here. There is no obligation to buy insurance because you use this website or request contact.

Coverage and financial assistance

Plan availability, benefits, networks, prescription coverage, premiums, deductibles, and other costs vary. Eligibility for financial assistance depends on your circumstances and the rules in effect for the coverage year. No particular premium, savings amount, plan, enrollment outcome, or eligibility result is guaranteed.

Enrollment is available during applicable enrollment periods or when you qualify for a Special Enrollment Period. State Marketplace deadlines can differ. Verify current deadlines and eligibility with the applicable Marketplace, and review official plan documents before choosing coverage. General educational information on this website does not replace those documents or individualized advice from an appropriately licensed professional.

Your request and contact choices

Please provide accurate information and a telephone number that belongs to you or that you are authorized to provide. Do not submit another person’s details without permission or use the forms for unlawful, abusive, or automated activity.

Contact permission is governed by the consent text shown with the form. It is separate from permission to access your Marketplace account, submit an application, make changes, or enroll you. You may revoke marketing contact permission at any time through our contact choices. Providing that consent is not a condition of purchasing insurance.

Your privacy

Our Privacy & contact choices page explains what information we collect, how it is used, and how to request access, deletion, or an end to marketing contact. Do not send Social Security numbers, payment information, or medical records through this website.

Availability and external links

We work to keep the information and forms useful and accurate, but content and availability can change and errors can occur. We do not guarantee uninterrupted service or that every visitor can be matched with an insurance option. External websites are operated by their respective owners and have their own terms and policies.

Changes to these terms

We may revise these terms when the service changes. The date above identifies this version. Nothing in these terms limits rights that cannot be limited under applicable law.