Important Notice: HealthShare Savings is an independent educational and affiliate marketing website. We are not an insurance company, health plan, or HealthShare organization. HealthShare memberships are not insurance and are not regulated by state insurance departments. By using this Site, you agree to these Terms of Service.
1. Acceptance of Terms
By accessing or using the website located at https://www.healthsharesavings.com (the "Site"), you agree to be bound by these Terms of Service ("Terms") and our Privacy Policy. If you do not agree to these Terms, please do not use this Site. These Terms apply to all visitors, users, and others who access or use the Site.
2. About This Site
HealthShare Savings is an independent educational resource and affiliate marketing website. We provide general information about health cost-sharing memberships (commonly referred to as "HealthShare") to help consumers understand their options for managing healthcare costs.
We are not affiliated with, endorsed by, or an official representative of any HealthShare organization. We do not sell, administer, or manage HealthShare memberships. Any enrollment in a HealthShare program occurs directly through that organization's own website and is governed by that organization's Member Guidelines and agreements.
3. HealthShare Disclaimer
HealthShare memberships are not insurance. Health cost-sharing programs are not regulated by state insurance departments and do not provide the same legal protections as licensed health insurance products. Specifically:
- Membership does not guarantee that any medical expense will be shared or paid.
- Pre-existing conditions may be subject to waiting periods or exclusions depending on the program.
- HealthShare programs are not subject to the Affordable Care Act (ACA) requirements, including guaranteed issue and community rating.
- Members share costs voluntarily; sharing is not a legal obligation of the program or other members.
- Programs may have limitations on the types of medical expenses that are eligible for sharing.
We strongly encourage all prospective members to carefully read the Member Guidelines of any HealthShare program before joining and to consult with a licensed health insurance professional if you have questions about your specific healthcare needs.
4. Affiliate Disclosure and Compensation
HealthShare Savings participates in affiliate marketing programs. When you click an enrollment link on our Site and subsequently join a HealthShare membership, we may receive a referral commission. This commission is paid by the HealthShare organization and does not increase the cost of your membership.
Our affiliate relationships do not influence the accuracy or objectivity of the information we provide. We are committed to providing honest, educational content to help you make informed decisions.
This disclosure is made in accordance with the Federal Trade Commission (FTC) guidelines on endorsements, testimonials, and affiliate marketing (16 C.F.R. Part 255).
5. SMS / Text Messaging Terms (A2P 10DLC)
By providing your phone number and submitting a contact form on this Site, you expressly consent to receive text messages (SMS) from HealthShare Savings at the mobile number provided. These Terms govern our SMS communications program.
Program Description
We send SMS messages to respond to your inquiries, provide rate comparison information, and share educational content about HealthShare memberships.
Message Frequency
Message frequency varies. You may receive up to 5 messages per month based on your inquiry and our follow-up communications.
Message and Data Rates
Standard message and data rates may apply depending on your mobile carrier plan.
How to Opt Out
Reply STOP to any text message at any time to unsubscribe. You will receive one final confirmation message and no further SMS messages will be sent. You may also opt out by contacting us at eric@whatishealthshare.com.
How to Get Help
Reply HELP to any text message or contact us at eric@whatishealthshare.com or 801-940-4100.
No Third-Party Sharing
Your mobile number and SMS consent will not be shared with third parties for their own marketing purposes without your separate, express written consent.
Supported Carriers
Our SMS program is supported by all major U.S. carriers including AT&T, Verizon, T-Mobile, Sprint, and others. Carrier support is not guaranteed for all carriers.
Our SMS program is registered under the A2P 10DLC framework and operates in compliance with the Telephone Consumer Protection Act (TCPA), the CAN-SPAM Act, and applicable carrier requirements.
6. Informational Purposes Only
All content on this Site is provided for general informational and educational purposes only. Nothing on this Site constitutes:
- Legal, financial, tax, or insurance advice
- A solicitation or offer to sell insurance products
- A guarantee of any specific HealthShare sharing outcome or cost savings
- An endorsement of any specific HealthShare organization beyond our affiliate relationship
Individual results will vary. Cost savings compared to traditional insurance depend on your specific circumstances, health needs, age, location, and the HealthShare program selected.
7. Intellectual Property
All content on this Site, including text, graphics, logos, images, and software, is the property of HealthShare Savings or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this Site without our prior written permission.
8. Disclaimer of Warranties
THIS SITE AND ITS CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, HEALTHSHARE SAVINGS DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:
- Warranties of merchantability, fitness for a particular purpose, and non-infringement
- Warranties that the Site will be uninterrupted, error-free, or free of viruses
- Warranties regarding the accuracy, completeness, or timeliness of any content
9. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, HEALTHSHARE SAVINGS AND ITS OWNERS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THIS SITE, YOUR RELIANCE ON ANY INFORMATION PROVIDED HEREIN, OR YOUR ENROLLMENT IN ANY HEALTHSHARE PROGRAM. OUR TOTAL LIABILITY TO YOU FOR ANY CLAIMS ARISING FROM YOUR USE OF THIS SITE SHALL NOT EXCEED $100.
10. Third-Party Links
Our Site contains links to third-party websites, including HealthShare enrollment pages. These links are provided for your convenience. We have no control over the content, privacy practices, or terms of those websites and are not responsible for them. Visiting third-party sites is at your own risk.
11. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Utah, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved in the state or federal courts located in Utah County, Utah.
12. Changes to These Terms
We reserve the right to modify these Terms at any time. When we make material changes, we will update the "Effective Date" at the top of this page. Your continued use of the Site after any changes constitutes your acceptance of the updated Terms. We encourage you to review these Terms periodically.
13. Contact Us
If you have any questions about these Terms of Service, please contact us:
HealthShare Savings
Email: eric@whatishealthshare.com
Phone: 801-940-4100
Website: https://www.healthsharesavings.com
HealthShare Disclaimer: HealthShare memberships are not insurance products and are not regulated by state insurance departments. Members share each other's eligible medical costs voluntarily. Membership does not guarantee payment of any medical expense. Please review the HealthShare program's Member Guidelines carefully before joining.