Terms of Use
Last updated January 2026
Acceptance of these terms
These Terms of Use govern your access to and use of the Instant Health Coverage website and our related services, including phone calls, text messages, and online chat. By using this site or submitting a request through it, you agree to these terms. If you do not agree, please do not use the site.
Who we are
Instant Health Coverage is an independent, licensed health insurance agency. We are not the Health Insurance Marketplace, HealthCare.gov, Medicare.gov, or any government agency, and this website is not operated by or affiliated with any government agency.
Our services
We help individuals and families compare and enroll in health insurance plans offered by carriers on the Marketplace and HealthCare.gov, and we help Medicare participants learn about extra benefits that may be available to them. We do not guarantee that any specific plan, price, or benefit will be available to you, and plan availability, pricing, and benefits are set by the carriers and government programs, not by us.
Contacting you
By submitting a form on this site, calling our office, texting us, or chatting with us online, you agree that we may contact you by phone, text message, or email regarding your request, including calls or texts we initiate to reach you. Before we discuss the details of any specific plan with you over the phone, we are required by law to complete a Scope of Appointment with you.
No professional or medical advice
The information on this website is provided for general informational purposes and does not constitute medical, legal, or tax advice. You should consult the applicable plan documents and a qualified professional for advice specific to your situation.
Third-party links
This site may link to third-party websites, such as HealthCare.gov or Medicare.gov. We do not control and are not responsible for the content or practices of those sites.
Limitation of liability
To the fullest extent permitted by law, Instant Health Coverage is not liable for any indirect, incidental, or consequential damages arising from your use of this site or our services.
Changes to these terms
We may update these Terms of Use from time to time. The date at the top of this page reflects the most recent revision.
Governing law and contact
These terms are governed by the laws of the State of North Carolina. Questions about these terms can be directed to 252-904-2980 or joshualbyrd@aol.com.