Last Updated: September 4, 2026

Welcome to Budd Health Advisors.

These Terms & Conditions (“Terms”) govern your use of the Budd Health Advisors website, located at www.buddhealthins.com, and any information, forms, scheduling tools, educational resources, or other services made available through the website.

By accessing or using this website, you agree to these Terms. If you do not agree with these Terms, please do not use the website.

1. About Budd Health Advisors

Budd Health Advisors (“BHA,” “we,” “our,” or “us”) provides health insurance guidance to individuals, families, self-employed professionals, and businesses seeking help understanding and comparing available health insurance options.

BHA and its licensed insurance professionals may assist clients with:

• Understanding available health insurance options

• Comparing premiums, deductibles, provider networks, and benefits

• Reviewing private and Marketplace-related coverage considerations

• Evaluating potential insurance eligibility

• Completing or navigating insurance applications

• Understanding carrier information and plan materials

• Providing ongoing assistance after enrollment

Budd Health Advisors is not an insurance carrier and does not underwrite or issue insurance policies.

Insurance coverage is issued by the applicable insurance carrier or plan administrator. The carrier determines eligibility, underwriting decisions where applicable, final rates, plan terms, effective dates, benefits, exclusions, and coverage availability.

2. Website Information Is Educational

The information provided on this website is intended to help consumers better understand health insurance and available coverage approaches.

Website content is provided for general educational and informational purposes and should not be treated as a personalized insurance recommendation unless you have spoken directly with a licensed Advisor regarding your specific situation.

Health insurance availability, pricing, eligibility, benefits, provider networks, and plan terms can vary based on factors such as:

• State of residence

• Age

• Household information

• Employment status

• Health history where underwriting applies

• Carrier requirements

• Effective date

• Provider network

• Plan type

• Applicable laws and regulations

Information published on the website may not reflect every plan, carrier, or option available in a particular market.

3. Insurance Plans and Carrier Documents

Descriptions of insurance plans, benefits, networks, premiums, deductibles, or other coverage information on this website are summaries only.

The official insurance policy, certificate of coverage, plan documents, carrier materials, and applicable contracts control the actual terms of coverage.

If information on this website differs from the official carrier or policy documents, the official carrier or policy documents control.

Budd Health Advisors does not have authority to change the terms, benefits, exclusions, underwriting requirements, pricing, or contractual provisions of an insurance policy issued by a carrier.

4. No Guarantee of Eligibility or Approval

Budd Health Advisors may help identify insurance options that appear appropriate based on the information provided by a prospective client.

However, we cannot guarantee that any applicant will:

• Qualify for a particular insurance plan

• Be approved through underwriting

• Receive a specific premium

• Receive a particular effective date

• Maintain access to a particular provider

• Be eligible for a Marketplace subsidy

• Receive a particular benefit or claim determination

Where health-based underwriting applies, the insurance carrier makes the final eligibility and approval decision.

Carrier underwriting guidelines, rates, networks, and plan availability may change.

5. Accuracy of Information You Provide

When requesting insurance guidance or applying for coverage, you are responsible for providing complete and accurate information.

This may include information regarding:

• Age

• State of residence

• Household members

• Employment status

• Income where applicable

• Health history

• Prescription medications

• Tobacco use

• Existing coverage

• Provider preferences

• Other information required by a carrier or application

Providing incomplete, inaccurate, or misleading information may affect insurance eligibility, premium rates, coverage, claims, or the validity of an insurance application.

Budd Health Advisors is not responsible for consequences resulting from information that a client or applicant provides inaccurately or fails to disclose when required.

6. Consultations

Budd Health Advisors may offer free consultations to help prospective clients understand and compare health insurance options.

A consultation does not obligate you to purchase insurance or submit an application.

During a consultation, an Advisor may ask questions regarding your current coverage, healthcare needs, providers, budget, household, employment situation, or other information relevant to evaluating available options.

Any recommendation provided during a consultation is based on the information available at that time.

Insurance availability and eligibility should be confirmed before enrollment.

7. Applications and Enrollment

If you decide to apply for insurance coverage, Budd Health Advisors may assist you with the application and enrollment process.

Submitting an application does not guarantee approval or coverage.

Coverage does not become effective merely because:

• An application has been submitted

• A consultation has occurred

• A premium quote has been provided

• An Advisor has discussed a proposed effective date

Coverage becomes effective only according to the applicable carrier's requirements and confirmation.

Clients should not cancel existing health insurance until they have confirmed that replacement coverage has been approved and the new effective date is established.

8. Provider Networks and Medical Providers

Provider networks can change and may differ between plans, carriers, locations, and network arrangements.

Budd Health Advisors may assist clients in reviewing provider-network information, but we cannot guarantee that a particular:

• Doctor

• Specialist

• Hospital

• Clinic

• Pharmacy

• Medical facility

will remain in-network for the duration of a policy.

Clients should verify important providers directly through the applicable carrier or provider network before enrolling and periodically thereafter when provider access is important.

9. Premiums, Costs, and Savings

Any premium, deductible, cost, or savings information discussed on this website or during a consultation is based on the information available at the time.

Actual costs may vary depending on:

• Carrier

• Plan

• Eligibility

• Underwriting

• State

• Age

• Household

• Benefits selected

• Effective date

• Other applicable factors

Budd Health Advisors does not guarantee that a particular insurance option will be less expensive than another option or that switching coverage will result in a specific amount of savings.

10. Marketplace and Private Health Insurance

Budd Health Advisors may provide information regarding multiple health insurance approaches, including Marketplace coverage and medically underwritten private health insurance where available.

Marketplace eligibility, premium tax credits, subsidies, and Special Enrollment Period eligibility are governed by applicable federal or state rules.

Medically underwritten private coverage may involve health-based eligibility requirements and may not be appropriate or available for every applicant.

Budd Health Advisors does not represent that one type of health insurance is universally better for every individual, family, or business.

The appropriate coverage depends on each client's circumstances, eligibility, healthcare needs, providers, and budget.

11. Business Health Benefit Information

Information provided regarding small-business health insurance, employer contributions, reimbursement arrangements, individual-based benefit strategies, group insurance, or other employer health benefit approaches is intended for general insurance guidance.

Employer benefit arrangements may involve tax, employment, reimbursement, participation, reporting, or other compliance requirements.

Budd Health Advisors does not provide legal, tax, accounting, or employment-law advice.

Business owners should consult qualified legal, tax, accounting, or benefits professionals when appropriate before implementing an employer benefit arrangement.

12. No Medical, Legal, Tax, or Financial Advice

Budd Health Advisors provides health insurance guidance.

Information on this website should not be interpreted as:

• Medical advice

• Legal advice

• Tax advice

• Accounting advice

• Investment advice

• Financial-planning advice

Questions regarding medical treatment should be directed to an appropriate healthcare professional.

Questions regarding legal, tax, accounting, or regulatory matters should be directed to the appropriate qualified professional.

13. Communications

If you voluntarily provide your email address, phone number, or other contact information, Budd Health Advisors may use that information to respond to your inquiry, schedule or confirm appointments, provide requested insurance information, assist with an application, or support an existing client relationship.

If you affirmatively consent to receive text messages, you may receive communications related to your inquiry, appointment, insurance options, application, enrollment, or existing coverage.

You may request that non-required communications stop at any time.

Text-message recipients may generally reply STOP to opt out of future text messages from that messaging number.

Message and data rates may apply depending on your mobile provider.

14. Third-Party Websites and Services

The BHA website may contain links to or use services provided by third parties, including:

• Insurance carriers

• Provider-network directories

• Scheduling platforms

• Review platforms

• Social media websites

• Analytics services

• Enrollment systems

• Other external resources

Budd Health Advisors does not control third-party websites or their content, availability, security, privacy practices, or terms.

Accessing a third-party website is subject to that organization's own terms and privacy policies.

A link from BHA does not necessarily constitute an endorsement of every statement, service, or product offered by that third party.

15. Intellectual Property

Unless otherwise stated, the content on the Budd Health Advisors website—including written content, graphics, logos, branding, design elements, educational materials, and original website content—is owned by or licensed to Budd Health Advisors.

You may view, print, or share website content for personal, non-commercial informational purposes.

You may not reproduce, republish, sell, modify, scrape, distribute, or commercially exploit substantial portions of the website without prior written permission from Budd Health Advisors, except where permitted by applicable law.

16. Acceptable Use

You agree not to use the website:

• For unlawful or fraudulent purposes

• To submit false or misleading information

• To interfere with website security or operation

• To attempt unauthorized access to website systems or information

• To upload malicious code or harmful material

• To impersonate another person or organization

• To collect information from the website through unauthorized automated methods

• In any way that could damage Budd Health Advisors or interfere with another user's access to the website

We reserve the right to restrict or terminate website access where misuse is suspected.

17. Privacy

Your use of this website is also subject to the Budd Health Advisors Privacy Policy.

The Privacy Policy explains how we may collect, use, retain, and disclose personal information.

By using this website or submitting information through it, you acknowledge that you have had the opportunity to review the Privacy Policy.

18. Website Availability and Accuracy

Budd Health Advisors works to keep website information accurate and useful, but we do not guarantee that every page will always be:

• Error-free

• Complete

• Current

• Continuously available

• Free from interruptions or technical problems

Insurance regulations, carrier guidelines, rates, benefits, networks, and coverage options can change.

We may modify, update, remove, or replace website content at any time without prior notice.

19. Disclaimer of Warranties

To the extent permitted by applicable law, this website and its content are provided on an “as is” and “as available” basis.

Budd Health Advisors makes no warranty that:

• The website will always operate without interruption

• Every available insurance option will appear on the website

• Website information will apply to every individual circumstance

• Any applicant will qualify for particular coverage

• A specific insurance outcome will occur

Nothing in these Terms limits any rights that cannot lawfully be waived.

20. Limitation of Liability

To the extent permitted by applicable law, Budd Health Advisors will not be liable for indirect, incidental, special, consequential, or similar damages arising solely from the use of, or inability to use, this website.

Budd Health Advisors is not responsible for decisions made solely from general website content without obtaining appropriate personalized guidance or reviewing applicable carrier and policy documents.

Nothing in these Terms is intended to exclude or limit liability where doing so would be prohibited by law.

21. Indemnification

To the extent permitted by applicable law, you agree to indemnify and hold Budd Health Advisors harmless from claims, losses, liabilities, or expenses arising from:

• Your unlawful misuse of the website

• Information you knowingly provide falsely or fraudulently

• Your violation of these Terms

• Your infringement of another person's rights through your use of the website

This section does not apply where prohibited by applicable law.

22. Changes to These Terms

Budd Health Advisors may update these Terms periodically to reflect changes in:

• Website functionality

• Business practices

• Insurance services

• Technology

• Applicable laws or regulations

Updated Terms will be posted on this page with a revised Last Updated date.

Continued use of the website after updated Terms are posted constitutes acceptance of the revised Terms to the extent permitted by law.

23. Governing Law

These Terms are governed by the laws of the State of Texas, without regard to conflict-of-law principles, except where applicable law requires otherwise.

To the extent legally permitted, disputes arising specifically from the use of this website or these Terms will be subject to the jurisdiction of appropriate courts located in Harris County, Texas.

This provision does not limit any rights or remedies that cannot lawfully be waived.

24. Severability

If any provision of these Terms is determined to be invalid, unlawful, or unenforceable, the remaining provisions will continue in effect to the fullest extent permitted by law.

25. Entire Agreement

These Terms, together with the Budd Health Advisors Privacy Policy and any other applicable written agreements, constitute the agreement governing use of this website.

Insurance coverage itself is governed separately by the applicable insurance application, carrier documents, policy, certificate, and other contractual materials issued in connection with the coverage.

26. Contact Us

If you have questions regarding these Terms & Conditions, please contact:

Budd Health Advisors
Website: www.buddhealthins.com
Email: kyle@buddhealthins.com
Phone: 832-734-9301