Terms of Service
Effective: May 2026. By using HealthCostHub, you agree to these terms. If you don't agree, please don't use the site.
Use of the site
HealthCostHub is a free, public-facing reference for healthcare costs, insurance plan math, financing options, and federal billing rights. You may use the calculators and read the articles for personal, non-commercial purposes. You may not scrape, mirror, redistribute, or republish substantial portions of the content without written permission.
Reference only — not medical, legal, or financial advice
The information on HealthCostHub is for general educational and reference purposes only. It is NOT:
- Medical advice. Always consult a licensed clinician for medical decisions.
- Legal advice. Always consult a licensed attorney for legal questions, including disputes over medical bills.
- Financial advice. Always consult a licensed financial professional before making decisions that affect your finances.
- An offer of insurance, financing, or any other product. We are not a broker, lender, insurer, or healthsharing ministry.
Always verify costs, rates, terms, and rules directly with the provider, insurer, financing company, or government agency before acting on information found here.
Pricing data accuracy
Healthcare pricing data comes from federal price-transparency files, government publications, and brand-published terms. Pricing changes frequently and varies by hospital, insurer, region, and patient. The numbers shown should be treated as a starting reference, not a quote. Calculator results are estimates based on the inputs you provide; actual costs may differ.
Third-party links and affiliate relationships
HealthCostHub may link to third-party products, services, or websites, including via affiliate relationships. We are not responsible for the content, accuracy, privacy practices, or terms of any third-party site. Affiliate relationships are disclosed on pages where they apply; see the Affiliate Disclosure for details.
No warranty
HealthCostHub is provided "as is" and "as available." We make no warranties, express or implied, regarding accuracy, completeness, fitness for a particular purpose, or non-infringement. We do not warrant uninterrupted or error-free operation of the site.
Limitation of liability
To the maximum extent permitted by applicable law, HealthCostHub and its operators are not liable for any direct, indirect, incidental, consequential, or punitive damages arising from use of the site or reliance on its information. Your sole remedy if you're dissatisfied with the site is to stop using it.
Changes to these terms
We may revise these terms as the site or applicable law changes. Continued use after a revision constitutes acceptance of the new terms.
Contact
Questions about these terms: info@healthcosthub.com.
These terms are a plain-English statement of how we expect the site to be used. They are not a substitute for legal counsel.