Terms & Conditions

Switch Health
Nitro Wholesale Inc DBA Switch Health

Effective Date: October 16, 2026
Last Updated: October 16, 2026

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1. Introduction and Acceptance of Terms

Welcome to Switch Health, a health insurance agency operated by Nitro Wholesale Inc DBA Switch Health ("Switch Health," "Company," "we," "us," or "our").

These Terms & Conditions ("Terms") govern your access to and use of our website, https://www.switch-health.com, including its pages, content, contact forms, quote request forms, educational materials, and related online services.

By accessing or using this website, you agree to these Terms and our Privacy Policy. If you do not agree, please discontinue use of the website.

These Terms apply to website visitors, prospective customers, individuals requesting insurance information, and other users interacting with our online services.

Your use of the website does not, by itself, establish an insurance policy, create an agency-client relationship, authorize an insurance enrollment, or guarantee that insurance coverage will be available.

 

2. About Switch Health

Switch Health is an independent health insurance agency operated by Nitro Wholesale Inc.

Our primary focus is helping individuals and families explore health insurance options available through the Affordable Care Act (ACA) Marketplace.

Our services may include:

• ACA Marketplace health insurance guidance

• Individual and family health insurance information

• Marketplace plan comparison assistance

• Health insurance quote inquiries

• Enrollment assistance

• Special Enrollment Period guidance

• Health insurance renewal assistance

• Information about potential Marketplace financial assistance

Available services may vary based on state licensing, carrier relationships, geographic availability, applicable laws, and individual circumstances.

Switch Health is not an insurance company and does not underwrite, issue, or guarantee insurance policies.

 

3. Independent Insurance Agency Disclosure

Switch Health operates as an independent insurance agency and is not the federal Health Insurance Marketplace, HealthCare.gov, the Centers for Medicare & Medicaid Services, or any other federal or state government agency.

We are not endorsed by or acting on behalf of a government agency merely by providing information about ACA Marketplace coverage.

Insurance products are offered, issued, and administered by the applicable insurance carriers.

Carrier availability, licensing, appointments, and product offerings may differ by location and change over time.

The appearance of an insurance carrier's name or logo on this website does not mean that all of its products are available through Switch Health or in every service area.

Official Marketplace eligibility determinations and enrollment requirements are subject to the applicable Marketplace and governing rules.

For official federal Marketplace information, consumers may visit https://www.healthcare.gov.

 

4. Website Content and Informational Purposes

Information published on this website is intended for general educational and informational purposes.

We strive to provide clear and useful information regarding insurance products, coverage options, enrollment procedures, and related topics.

However, health insurance rules, premiums, benefits, subsidies, coverage areas, carrier participation, and enrollment requirements can change.

We do not guarantee that all website content will be complete, current, or applicable to every individual.

You should review the applicable insurance policy documents, Summary of Benefits and Coverage, provider directories, formularies, and official Marketplace information before making coverage decisions.

Website content does not replace individualized insurance guidance or professional medical, legal, tax, or financial advice.

 

5. Insurance Quotes and Coverage Availability

Any quote-related information provided through Switch Health is subject to verification and applicable carrier or Marketplace requirements.

Estimated insurance premiums and coverage information may depend on factors such as:

• State and ZIP code

• Age and household composition

• Available insurance carriers

• Selected plan and coverage level

• Eligibility requirements

• Applicable financial assistance

• Enrollment timing

• Other factors permitted or required by law

Submitting a quote request does not guarantee that a particular plan, premium, subsidy, or coverage option will be available.

A quote request is not an insurance application, approval, binder, or confirmation that coverage has become effective.

Final premiums, benefits, eligibility, and effective dates are determined through the applicable insurance carrier and Marketplace processes.

Do not cancel existing health insurance coverage solely because you submitted an inquiry or received preliminary information through this website.

 

6. ACA Marketplace Eligibility and Financial Assistance

Certain eligible individuals and families may qualify for premium tax credits or other financial assistance through the ACA Marketplace.

Eligibility depends on applicable federal and state rules and individual circumstances.

Relevant factors may include household income, household size, access to other qualifying coverage, tax circumstances, geographic location, and other eligibility requirements.

Switch Health does not guarantee:

• Eligibility for Marketplace coverage

• Eligibility for premium tax credits

• A specific subsidy amount

• A $0 monthly premium

• A particular enrollment effective date

• Acceptance into any specific plan

Any reference to affordable coverage, potential savings, or financial assistance is subject to individual eligibility and applicable rules.

Consumers remain responsible for providing accurate information and reviewing official eligibility determinations.

Tax credits may have tax implications, including reconciliation requirements. Consult a qualified tax professional for individualized tax advice.

 

7. Enrollment Authorization and Consumer Consent

Switch Health is committed to conducting Marketplace enrollment assistance in accordance with applicable authorization and consent requirements.

Submitting a website contact form, requesting a quote, or agreeing to receive communications does not automatically authorize Switch Health to submit, change, renew, or cancel an insurance application on your behalf.

Before performing activities that require consumer authorization, applicable consent and documentation must be obtained separately in the manner required by governing rules.

Where required, consumers must review and confirm the accuracy of their Marketplace eligibility application information before submission.

Consumers should not sign documents without understanding their purpose.

Enrollment decisions, plan selections, application confirmations, and authorization records may be subject to separate forms, procedures, and recordkeeping requirements.

Consumers may contact Switch Health at info@switch-health.com to ask questions about an authorization or request information about withdrawing authorization, subject to applicable rules and the status of any actions already taken.

 

8. User Responsibilities

When interacting with Switch Health or submitting information through our website, you agree to provide information that is accurate and complete to the best of your knowledge.

You agree not to:

• Submit false or misleading information

• Impersonate another individual

• Submit another person's information without appropriate authority

• Misuse or interfere with website functionality

• Attempt unauthorized access to website systems

• Introduce malware or harmful software

• Use the website for unlawful purposes

• Submit content that infringes another person's rights

You are responsible for reviewing information supplied during any subsequent insurance application process.

If information changes or you discover an error, you should notify the appropriate party promptly.

 

9. Website Contact Forms and Quote Requests

Our website may provide contact, inquiry, and quote request forms.

Information submitted through these forms may be used to respond to your inquiry, communicate about relevant insurance services, and assist with your requested coverage exploration.

Submitting a form does not create an obligation for Switch Health or any carrier to offer, issue, or approve a policy.

We may be unable to assist with certain requests due to licensing limitations, carrier availability, technical issues, eligibility requirements, or other circumstances.

Please do not submit Social Security numbers, medical histories, medical diagnoses, identification documents, financial account numbers, or payment-card information through ordinary public website forms unless we expressly direct you to an appropriately secured collection process.

Our collection and use of personal information are further described in our Privacy Policy.

 

10. Electronic Communications and Contact Authorization

When you voluntarily provide contact information and request assistance, Switch Health may use the information to respond to your inquiry through the communication methods authorized by you and permitted by applicable law.

Communications may include responses to quote requests, appointment coordination, requested coverage information, enrollment-related assistance, or other service communications.

Submitting an ordinary inquiry form does not automatically constitute consent to receive automated marketing calls or marketing text messages.

Where consent is legally required for a particular communication method, we will seek the necessary authorization separately.

You may request that we stop optional marketing communications by contacting info@switch-health.com or using the applicable opt-out method.

Certain service-related communications may still be necessary or permitted to complete an ongoing request or satisfy legal obligations.

 

11. SMS and Text Messaging Terms

If Switch Health offers an SMS messaging program and you separately opt in, text messages may relate to insurance inquiries, requested follow-up, appointment coordination, or promotional information consistent with the consent you provided.

Where an SMS program is offered, the following general terms apply:

• Message frequency may vary.

• Message and data rates may apply.

• Consent to optional marketing messages is not a condition of purchasing insurance or receiving assistance.

• Reply STOP to opt out of messages from the applicable program.

• Reply HELP for assistance, where supported.

• You may also contact info@switch-health.com or call (800) 488-8014 for assistance.

• Delivery depends on wireless carriers and network availability.

• Wireless carriers are not responsible for delayed or undelivered messages.

Additional program-specific terms may be provided at the point of enrollment.

Switch Health does not sell or share SMS opt-in consent or associated phone numbers with third parties for their independent marketing purposes.

Operational service providers may process messaging information solely to provide services on our behalf, subject to appropriate restrictions.

 

12. Email Communications

Switch Health may send emails responding to inquiries, providing requested information, or communicating about insurance-related services.

Optional promotional email communications will be conducted subject to applicable marketing laws.

Where required, marketing emails will include a means to unsubscribe.

Unsubscribing from promotional emails does not necessarily prevent transactional or other permitted service-related emails.

Because ordinary email may not provide appropriate protection for sensitive personal information, please avoid sending medical records, Social Security numbers, or other highly sensitive documents through standard email unless a suitable secure method has been arranged.

 

13. Insurance Carrier and Third-Party Relationships

Switch Health may provide information about or facilitate interactions with third-party insurance carriers, authorized quoting platforms, Marketplace systems, and other service providers.

These third parties maintain their own eligibility rules, privacy notices, agreements, policy terms, and operational procedures.

When you access a third-party website or service, its separate terms and policies may apply.

Switch Health does not control the independent decisions of insurance carriers, governmental Marketplaces, or unrelated third-party websites.

We are not responsible for third-party products, content, or services to the extent permitted by applicable law.

 

14. Insurance Policy Terms Control

Actual insurance coverage is governed by the applicable insurance policy, certificate of coverage, carrier documents, exclusions, limitations, and governing laws.

If website descriptions differ from the official policy documents, the applicable governing policy documents and laws control.

Coverage may include deductibles, copayments, coinsurance, provider network restrictions, prior authorization requirements, and other terms.

Consumers should carefully review all relevant plan documents before enrollment.

Nothing on this website modifies the terms of an insurance policy.

 

15. Intellectual Property

Unless otherwise indicated, the website's original content, design elements, text, graphics, branding, layouts, and other materials are owned by or licensed to Switch Health.

You may view or print website material for lawful personal, noncommercial informational use.

You may not reproduce, redistribute, commercially exploit, or materially modify protected website content without permission, except as permitted by law.

Third-party insurance carrier names, logos, and trademarks remain the property of their respective owners.

Their appearance on this website does not transfer any ownership rights.

 

16. Website Availability and Security

We may maintain, update, modify, restrict, or temporarily suspend website features for operational, security, legal, or technical reasons.

Although we seek to use reasonable safeguards, no internet-based system can be guaranteed completely secure or continuously available.

We do not guarantee uninterrupted access, error-free operation, or compatibility with every device or browser.

If you experience technical problems, please contact info@switch-health.com.

We may restrict website access when reasonably necessary to prevent unauthorized use, abuse, security threats, or unlawful activity.

 

17. Privacy and Data Protection

Your privacy is important to us.

Personal information collected through this website is handled according to our Privacy Policy and applicable requirements.

Information may be processed by authorized personnel and service providers for legitimate business purposes, such as responding to inquiries, providing requested assistance, operating the website, or meeting legal obligations.

Please review our Privacy Policy for additional information about collection, use, sharing, retention, cookies, security, and applicable consumer rights.

 

18. No Medical, Legal, or Tax Advice

Switch Health provides insurance-related information and assistance.

We do not provide medical diagnosis, treatment, or emergency medical services through this website.

Website content does not constitute individualized medical, legal, investment, or tax advice.

Questions about medical treatment should be directed to a qualified healthcare professional.

Questions about individual legal or tax obligations should be directed to the appropriate licensed professional.

If you are experiencing a medical emergency, call 911 or seek immediate emergency medical assistance.

 

19. Disclaimer of Warranties

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

We do not make warranties regarding uninterrupted availability, complete accuracy, suitability for a particular purpose, or the absence of technical errors.

Nothing in this section limits rights or protections that cannot legally be waived.

 

20. Limitation of Liability

To the extent permitted by applicable law, Switch Health and Nitro Wholesale Inc will not be liable for indirect, incidental, special, or consequential losses arising solely from the use of, or inability to use, this website.

This limitation does not apply where prohibited by law and does not exclude liability that cannot lawfully be limited, including liability arising from certain forms of misconduct.

Nothing in these Terms is intended to waive non-waivable insurance consumer protections or applicable statutory rights.

 

21. Changes to Website Services

We may update website content, descriptions, features, and available services without advance notice when reasonably necessary.

Insurance carrier relationships, product offerings, enrollment processes, and coverage availability may also change.

We do not guarantee that a particular product or service listed on the website will remain available indefinitely.

 

22. Changes to These Terms

We may revise these Terms to reflect changes in our services, legal requirements, technology, or business practices.

When material updates are made, we will update the effective or last-updated date displayed on this page and provide additional notice when required by law.

Continued website use after revised Terms become effective constitutes acceptance to the extent permitted by applicable law.

 

23. Governing Law

These Terms are generally governed by applicable laws of the State of Texas and the United States, except where mandatory laws of another jurisdiction apply.

Nothing in these Terms limits the rights of consumers under applicable federal or state insurance laws.

Any dispute resolution arrangement must comply with applicable law.

 

24. Severability

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

A failure to enforce a provision on one occasion does not automatically waive the right to enforce it in another appropriate circumstance.

 

25. Contact Information

For questions regarding these Terms & Conditions, please contact:

Switch Health
Nitro Wholesale Inc DBA Switch Health

Website: https://www.switch-health.com
Email: info@switch-health.com
Phone: +1 (800) 488-8014

Mailing Address:
9950 Westpark Dr, Suite 326
Houston, TX 77063

Independent Agency Disclosure: Switch Health is an independent insurance agency and is not affiliated with, endorsed by, or operated by the federal Health Insurance Marketplace or any government agency. Insurance availability, eligibility, rates, and benefits vary by carrier and individual circumstances.