Several factors can impact the accuracy of instant health insurance quotes. These include the completeness and accuracy of the information provided during the quote process. Inaccurate or incomplete details about age, location, pre-existing conditions, or desired coverage options can lead to inaccurate quotes. Additionally, instant quotes rely on general algorithms and assumptions, so they may not account for all the specific factors that can influence the final premium. Factors such as tobacco use, BMI (body mass index), occupation, and family medical history are often not considered in instant quotes but can affect the actual premium when underwriting takes place. Moreover, instant quotes may not incorporate potential discounts or subsidies that an individual may be eligible for, which can further impact the final premium. To obtain the most accurate quote, it is advisable to provide complete and accurate information and consult directly with insurance providers or agents who can consider all relevant factors.