Feature	ACA / Marketplace	Health-Based
Acceptance	Guaranteed (anyone)	Health underwriting
Rate Based On	Income, age, location	Health status, age
Subsidies	Available if eligible	Not available
Deductibles	Often $5,000+	$0 options available
Network Type	HMO/EPO (limited)	PPO (nationwide)
Best For	Lower income, subsidies	Healthy, self-employed

What to Expect on Our Call

Your consultation is friendly, no-pressure, and focused on what’s best for your family. We’ll use this time to understand your situation and give you clear options.

• 30‑minute phone call at a time that works for you.
• Review of your current coverage, needs, and ideal monthly budget.
• Walkthrough of market pace and private plan options and how they compare to what you have now. (ok if you don't have coverage now)
• Clear next steps—enroll right away or take time to think it over. No obligation.

Please avoid sharing Social Security numbers or detailed medical records in the booking notes.

1. Overview

This Privacy Policy describes how MattyCares (“we,” “us,” or “our”) collects, uses, discloses, and protects information about visitors and users (“you”) of this website (the “Site”) and our related services. By using the Site, submitting your information, or requesting services from us, you consent to the practices described in this Policy.

2. Information We Collect

We may collect the following types of information when you use the Site or communicate with us:

• Contact Information: Name, email address, phone number, mailing address, and similar details you provide in forms, chats, calls, or emails.
• Insurance & Application Information: Basic demographic details (such as age, household size, state of residence) and information necessary to provide quotes and recommendations, which may include limited health‑related information you choose to share.
• Website Usage Data: IP address, device type, browser type, pages visited, time on page, referral URLs, and other technical data collected via cookies or similar technologies.
• Communication Records: Copies of emails, text messages, call notes, and other communications between you and us.

3. How We Use Your Information

We use the information we collect for the following purposes:

• To respond to your inquiries, provide quotes, and recommend insurance options tailored to your needs.
• To submit applications or related forms to insurance carriers at your request.
• To operate, maintain, and improve the Site, including analytics, troubleshooting, and security monitoring.
• To send you service‑related communications, appointment reminders, and educational content about insurance.
• To comply with legal, regulatory, and recordkeeping obligations.
• To conduct limited marketing and remarketing activities in compliance with applicable laws and your preferences.

4. Legal Bases for Processing (Where Applicable)

Where data protection laws require a legal basis for processing, we rely on one or more of the following: (a) your consent; (b) performance of a contract or steps taken at your request before entering into a contract; (c) our legitimate interests in operating and improving our business and services; and (d) compliance with legal or regulatory obligations.

5. Cookies and Similar Technologies

We may use cookies, pixels, and similar technologies to recognize your browser, remember your preferences, analyze Site traffic and performance, and support limited marketing or remarketing efforts. You can usually control cookies through your browser settings, but disabling cookies may affect certain features or functions of the Site.

6. How We Share Your Information

We do not sell your personal information. We may share your information in the following limited situations:

• Insurance Carriers and Partners: With insurance companies, general agencies, or other intermediaries as needed to obtain quotes, submit applications, or service your policies.
• Service Providers: With trusted vendors that perform services on our behalf (such as website hosting, email or SMS platforms, CRM/automation tools, analytics, or document storage), subject to appropriate confidentiality and security obligations.
• Legal and Compliance: When required to comply with applicable laws, regulations, subpoenas, legal processes, or governmental requests, or to protect our rights, property, or the safety of you or others.
• Business Transfers: In connection with a merger, acquisition, sale of assets, or similar corporate transaction, where your information may be transferred as part of the business assets.

7. Health and Sensitive Information

In order to help you evaluate and apply for certain insurance products, you may choose to share limited health‑related information. We handle such information in accordance with applicable privacy and security requirements for insurance agents and brokers and with our contractual obligations to insurance carriers. This website Privacy Policy is not a formal “Notice of Privacy Practices” under HIPAA; if HIPAA applies to a particular relationship or carrier, you may receive a separate notice directly from the carrier.

8. Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect your information from unauthorized access, use, or disclosure. However, no method of transmission over the internet or method of electronic storage is completely secure, and we cannot guarantee absolute security. You are responsible for using appropriate precautions when sending information online.

9. Data Retention

We retain personal information for as long as reasonably necessary to accomplish the purposes described in this Policy, including to provide services, maintain business records, comply with legal and regulatory requirements, resolve disputes, and enforce our agreements. Retention periods may vary based on the type of information and applicable requirements from carriers or regulators.

10. Your Choices and Rights

Depending on where you live and applicable laws, you may have certain rights with respect to your personal information, such as the right to access, correct, update, or delete certain information, or to limit or object to certain types of processing. You may also have the right to opt out of certain marketing communications at any time by following the unsubscribe instructions in our messages or by contacting us directly.

11. Children’s Privacy

The Site is not intended for children under the age of 13, and we do not knowingly collect personal information directly from children under 13. If we become aware that we have collected such information, we will take reasonable steps to delete it. Parents or guardians who believe we may have collected information from a child should contact us using the details below.

12. Third‑Party Websites and Tools

The Site may link to third‑party websites or embed third‑party tools (for example, booking widgets, forms, or analytics scripts). We are not responsible for the privacy practices or content of third‑party sites or services. Your use of those services is governed by their own terms and privacy policies, which you should review carefully.

13. State‑Specific and Other Privacy Rights

Certain U.S. state laws and other privacy laws may provide additional rights regarding your personal information, such as rights to know, access, delete, or opt out of certain data practices. If you are a resident of a jurisdiction with such rights and wish to exercise them, please contact us using the information below. We will respond to your request as required by applicable law.

14. Contact Us About Privacy

If you have questions about this Privacy Policy or our privacy practices, or if you wish to exercise your rights regarding your information, you may contact us at:

Email: hello@mattycares.com
Phone: (561) 65-CARES

15. Changes to This Privacy Policy

We may update or revise this Privacy Policy from time to time. Any changes will be posted on this page with an updated “Last Updated” date. Your continued use of the Site after changes are posted signifies your acceptance of the revised Policy.

Last Updated: January 2026

1. Acceptance of These Terms

By accessing or using this website (the “Site”), submitting any information, or requesting services through the Site, you agree to be bound by these Terms of Service (“Terms”) and all applicable laws and regulations. If you do not agree to these Terms, you must not use the Site or any of the services offered through it.

2. Informational Nature of the Site

The Site is provided for general informational and educational purposes related to insurance and financial protection products. The content on the Site does not constitute medical, legal, tax, accounting, or investment advice and should not be relied upon as a substitute for advice from qualified professionals. Any insurance decisions should be made only after reviewing official carrier documents and consulting with a licensed professional about your specific situation.

3. No Offer or Binding of Insurance Coverage

Nothing on this Site constitutes an offer or promise to provide insurance coverage. Quotes, plan summaries, and other information are for illustration only and do not include all terms, conditions, exclusions, and limitations. Insurance coverage is not bound, changed, or cancelled through the Site, email, text message, voicemail, or social media. Coverage becomes effective only after all required applications and forms are completed and signed, the insurance carrier has approved your application, and you receive written confirmation of coverage and an effective date. You should not cancel any existing coverage until you have received such written confirmation from the carrier or from us on the carrier’s behalf.

4. Your Responsibilities and Use of the Site

You agree to use the Site only for lawful purposes and in accordance with these Terms. You agree that: (a) any information you provide to us through the Site is true, accurate, and complete to the best of your knowledge; (b) you will not use the Site in any way that violates applicable laws or regulations; and (c) you will not attempt to interfere with the proper functioning or security of the Site or any related systems. You are responsible for maintaining the confidentiality of any communications or records you keep in connection with your use of the Site.

5. Eligibility, Licensing, and Geographic Scope

Insurance products and services described on this Site may not be available in all states or jurisdictions, and we may not be licensed in every state. Any references to specific products, plans, or carriers are intended only for jurisdictions where we are properly licensed and where such products are approved for sale. It is your responsibility to confirm whether a particular product or service is available in your state and whether we are licensed to assist you there. We reserve the right to decline to provide services if doing so would be inconsistent with licensing or regulatory requirements.

6. Intellectual Property Rights

The Site and its entire contents, features, and functionality (including, but not limited to, text, graphics, logos, icons, images, audio clips, video clips, and software) are owned by MattyCares or its licensors and are protected by copyright, trademark, and other intellectual property laws. You may view, download, and print materials from the Site for your personal, non‑commercial use only, provided you do not modify or remove any copyright or other proprietary notices. You may not copy, reproduce, republish, distribute, display, or create derivative works from any part of the Site without our prior written consent.

7. Third‑Party Links and Services

The Site may contain links to third‑party websites, tools, or services that are not owned or controlled by us. These links are provided for convenience only and do not constitute an endorsement or recommendation of the third‑party content, products, or services. We have no control over and are not responsible for the content, privacy practices, security, or accuracy of information on any third‑party websites. Your use of third‑party sites and services is at your own risk and subject to the terms and policies of those third parties.

8. No Warranties; Site Availability

The Site and all content, information, and services are provided on an “as is” and “as available” basis, without any warranties of any kind, either express or implied. To the fullest extent permitted by law, we disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non‑infringement, and any warranties arising out of course of dealing or usage of trade. We do not warrant that the Site will be uninterrupted, secure, error‑free, or free of viruses or other harmful components, or that defects will be corrected.

9. Limitation of Liability

To the maximum extent permitted by applicable law, MattyCares and its owners, employees, agents, and representatives shall not be liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages arising out of or in connection with: (a) your access to or use of the Site; (b) your reliance on any information provided on or through the Site; or (c) any delay, failure, interruption, or corruption of data or systems related to your use of the Site, even if we have been advised of the possibility of such damages. In all cases, our total liability to you for any claims arising out of or related to the Site or these Terms shall not exceed the amount you have paid to us, if any, for access to or use of the Site.

10. Indemnification

You agree to indemnify, defend, and hold harmless MattyCares and its owners, employees, agents, and representatives from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or in any way connected with: (a) your use of the Site; (b) your violation of these Terms; or (c) your violation of any rights of another person or entity in connection with your use of the Site.

11. Privacy and Data Collection

By using the Site and submitting your information, you acknowledge that we may collect, use, and share your information as described in our Privacy Policy. Please review the Privacy Policy for details about what information we collect, how we use it, and with whom it may be shared. By continuing to use the Site, you consent to our data practices as described in the Privacy Policy.

12. Changes to the Site and to These Terms

We may update, modify, or discontinue any part of the Site at any time without notice. We may also revise these Terms from time to time. When we do, we will update the “Last Updated” date at the bottom of this page. Your continued use of the Site after any changes to these Terms constitutes your acceptance of the updated Terms. If you do not agree to the revised Terms, you must stop using the Site.

13. Governing Law and Dispute Resolution

These Terms and your use of the Site shall be governed by and construed in accordance with the laws of the state in which MattyCares is primarily located, without giving effect to any choice‑of‑law or conflict‑of‑law provisions. Any disputes arising out of or relating to these Terms or your use of the Site shall be brought exclusively in the state or federal courts located in that state, and you consent to the personal jurisdiction of such courts. Nothing in this section limits any rights you may have under applicable consumer protection laws.

14. Contact Information

If you have any questions about these Terms or about the Site, you may contact us using the information provided on the Contact or About page.

Last Updated: January 2026

1. Informational Purposes Only – Not Medical, Legal, or Tax Advice

The content on this website, including guides, videos, blog posts, FAQs, emails, and any downloadable materials, is provided for general informational and educational purposes only. It is not intended to and does not constitute medical, legal, tax, accounting, or other professional advice, and should not be relied upon as such. You should always consult with a licensed physician, qualified health professional, attorney, tax advisor, or other appropriate professional regarding your individual situation before making any decisions related to your health, finances, or insurance coverage.

2. No Doctor–Patient or Professional–Client Relationship

Use of this website, sending us information through forms, booking a consultation, or communicating with us by phone, email, text, or video does not create a doctor–patient, attorney–client, tax advisor–client, or other professional–client relationship. A formal relationship is only established when required paperwork is completed and accepted, and you receive confirmation from us that we act as your agent or broker with respect to a specific policy or carrier.

3. Insurance Information, Quotes, and Illustrations

Any insurance information, plan summaries, comparisons, quotes, or premium illustrations on this website are general in nature and are provided for convenience only. They do not include all terms, conditions, exclusions, limitations, waiting periods, or policy provisions. Actual coverage is governed solely by the terms and conditions of the policy issued by the insurance carrier. You must review the full policy and all endorsements for complete details of coverage.

4. No Guarantee of Coverage, Eligibility, or Rates

Completion of any form on this website, submission of information, or receipt of an insurance quote does not constitute an offer of insurance, a guarantee of coverage, or a guarantee of eligibility or premium rates. Coverage is not bound, changed, or in force until: (a) all required applications and forms are completed, signed, and submitted; (b) the insurance carrier has completed its underwriting and eligibility review; and (c) you have received written confirmation of approval and an effective date from the carrier or from us on the carrier’s behalf. Do not cancel any existing coverage until you have received written confirmation that your new policy has been approved and is active.

5. Underwriting, Pre‑Existing Conditions, and Plan Availability

Many of the plans discussed on this website are medically underwritten and may not be available to all consumers. Eligibility, benefits, and premiums depend on factors such as age, health history, location, and underwriting guidelines set by each carrier. Pre‑existing conditions, medical history, and other risk factors may affect your approval, the cost of coverage, or the type of coverage offered. Plan availability, benefits, networks, premiums, and underwriting rules are subject to change at any time by the insurance carriers and/or regulators.

6. Licensing and State Availability

Insurance products and services referenced on this website may not be available in all states or jurisdictions, and we may not be licensed in every state. Any references to products, carriers, or coverage options are intended for use only in jurisdictions where we are properly licensed and where such products are approved for sale. If a product is not available in your state, we will not be able to solicit, offer, or sell that coverage to you. Please contact us directly to confirm our current licensing and product availability in your state.

7. No Binding of Coverage via Website, Email, or Voicemail

Insurance coverage cannot be bound, altered, or cancelled via this website, email, text message, voicemail, or social media. No binder, policy change, addition, deletion, or cancellation is effective until it has been confirmed in writing by a licensed agent or directly by the insurance carrier. If you need to make changes to your coverage, you must speak with us directly and receive written confirmation of the requested change.

8. No Warranties; Accuracy and Updates

While reasonable efforts are made to keep the information on this website accurate and up to date, no representation or warranty is made, express or implied, as to the completeness, accuracy, reliability, or timeliness of any information, content, or tools provided. Insurance laws, regulations, carrier guidelines, and products change frequently. Any reliance you place on information found on this website is strictly at your own risk, and you agree that it is your responsibility to verify all information directly with us or with the carrier before making decisions.

9. Limitation of Liability

To the fullest extent permitted by applicable law, MattyCares and its owners, employees, agents, and representatives shall not be liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages arising out of or in connection with your use of this website, dependence on any information provided, or any delay or inability to access or use the website, even if advised of the possibility of such damages. Your exclusive remedy for dissatisfaction with the website or its content is to stop using the website.

10. Third‑Party Websites and Links

This website may contain links or references to third‑party websites, resources, or content provided by other companies or organizations. These links are provided for convenience only and do not constitute an endorsement or recommendation. We have no control over and are not responsible for the content, privacy practices, or accuracy of information on any third‑party sites. You access and use any third‑party websites at your own risk.

11. No Promise of Specific Outcomes or Savings

Any references to potential savings, percentage reductions, or financial outcomes (for example, “save up to 50%”) are illustrative and based on past experiences or hypothetical scenarios. They are not a guarantee that you will achieve the same results. Your actual premiums, savings, and benefits will depend on your individual circumstances, underwriting results, selected plan, and applicable laws and regulations.

12. Marketing, Contact, and Consent

By submitting your contact information on this website, you acknowledge and agree that you are requesting to be contacted regarding insurance products and services. This may include phone calls, text messages, emails, or other communications from a licensed insurance agent, even if your number is listed on a federal or state Do‑Not‑Call registry. You may opt out of marketing communications at any time by following the instructions provided in the message or by contacting us directly.

13. Medicare and Other Government‑Related Programs (If Applicable)

If this website or our communications reference Medicare Advantage, Medicare Part D, or other government‑related programs, please note that we are not connected with or endorsed by the U.S. government or the federal Medicare program. Any Medicare‑related information is for educational purposes only and is not a complete description of all benefits, limitations, or requirements. For official information about Medicare, visit www.medicare.gov or call 1‑800‑MEDICARE (1‑800‑633‑4227).

14. Changes to This Disclaimer

We may update or revise this Disclaimer from time to time without prior notice. Any changes will be effective when posted on this page, and your continued use of the website after such changes constitutes your acceptance of the updated Disclaimer.

Last Updated: January 2026