Terms of Use

Last updated: November 10, 2026

These Terms of Use govern your use of Health Rate Check (the “Site”), operated by Mueller Holdings Ltd. (“we,” “us”). By using the Site you agree to these terms.

What the Site is

The Site is a referral service. It shows a general estimate based on the federal premium tax credit rules and the information you enter, and, if you ask, passes your request to licensed insurance agents and agencies who can contact you about health insurance coverage options. We are not an insurance company, agency, or broker; we do not sell, quote, recommend, or bind insurance, and we do not enroll anyone in a plan. We are not affiliated with HealthCare.gov, the Health Insurance Marketplace®, any state exchange, or any government agency.

Estimates are not quotes

Any estimate on the Site is general information, not a quote, an offer of coverage, tax advice, or a determination of eligibility for a premium tax credit, Medicaid, or any program. Actual plans, prices, and eligibility depend on your full circumstances and are determined by the insurer and the exchange. Not all plans or insurers are available in all areas.

Your information and consent

You agree to provide accurate information about yourself and to submit a request only for yourself. Your consent to be contacted is described next to the submit button and in our Privacy Policy. You may revoke consent at any time.

Agents are independent

Agents and agencies who contact you are independent businesses responsible for their own advice, licensing, and conduct. We do not endorse any particular agent, insurer, or plan. Verify an agent's license with your state's insurance department before you buy.

No warranties; limitation of liability

The Site is provided “as is” without warranties of any kind. To the fullest extent permitted by law, we are not liable for indirect, incidental, or consequential damages arising from your use of the Site or from any dealings with agents, agencies, or insurers.

Changes

We may update these terms; the date above shows the latest version. Continued use of the Site means you accept the current terms.

Contact

Mueller Holdings Ltd. — privacy@healthratecheck.com
101-150 Hollywood Court, Cambridge, ON N1R 0E6, Canada