If I apply for an insurance plan, am I obligated to buy?

No. You are under no obligation to buy a health insurance plan when using our site.  After submitting your application you may cancel it at any time during the underwriting process.  When you submit an application you will typically include your credit card number, bank account information, or a check for the initial premium payment.  Most insurance companies will not charge your card, debit your account, or deposit your check until you are approved.  If you are charged or your check is cashed and you are denied for coverage or cancel your application prior to approval, the insurance company will issue a refund.  A few insurance companies will charge an application fee .  You will be notified at the time of application if the plan you chose require an application fee.  Please note that these fees are non-refundable.