Terms of Use

The content on this site is provided for general informational purposes. It is not an offer of insurance, a quote, or advice for your specific situation. Coverage is only available through a licensed agent and is subject to carrier approval, eligibility, and the terms of the applicable plan documents.

PHAX is an insurance brokerage. Some products referenced on this site are not major medical insurance. In particular, health care sharing programs are not insurance and are not guaranteed, and short-term medical plans are not ACA-qualifying comprehensive coverage. Your licensed agent will explain what any product does and does not cover before you enroll.

Products, carriers, and features described here vary by state and may change at any time without notice. Nothing on this site guarantees that a particular product is available to you.

You agree that any information you submit is accurate and that you are authorized to share it. You agree not to misuse the site, attempt to disrupt it, or submit information on behalf of someone without their permission.

The PHAX name, logo, and site content are owned by PHAX or its licensors. Carrier names and logos are the property of their respective owners and are used to identify the products we are appointed to offer. You may not copy or reuse our content without permission.

The site is provided “as is” without warranties of any kind. To the fullest extent permitted by law, PHAX is not liable for any damages arising from your use of, or inability to use, the site.

We may update these terms from time to time. Changes take effect when posted, and your continued use of the site means you accept the updated terms.

Questions about these terms? Reach us through our contact page. PHAX is powered by Dynasty International.