Terms of Service & Insurance Disclosures

Last Updated: 10/20/2026

1. Informational & Educational Purposes Only

The content, tools, and assessments provided on daveknowshealth.com—including the Find Your Coverage Path tool and Dave Knows modules—are for educational and priority-identification purposes only. They do not constitute formal insurance underwriting, legal counsel, or individualized medical diagnosis.

2. Availability and Underwriting

Plan availability, benefits, exclusions, premiums, and network participation vary by carrier, product, and state of residence. Acceptance is not guaranteed on medically underwritten policies. Binding insurance coverage is only established once an official carrier application is formally submitted, underwritten, approved, and the initial binder premium is paid.

3. Independent Advisor Status

Dave Gagleard is an independent licensed health insurance broker. He is not an employee of the government health insurance Marketplace or any single carrier.