Insurance Disclaimer

General Disclaimer

The information provided on the Find My Health Coverage website (findmyhealthcoverage.com) is for general informational and educational purposes only. While we strive to keep all information accurate and up to date, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information, products, services, or related graphics contained on this website.

Any reliance you place on information found on this website is strictly at your own risk. We strongly recommend consulting directly with a licensed insurance agent (including our own) before making any health insurance decisions.

Not a Substitute for Professional Advice

The content on this website does not constitute insurance advice, financial advice, tax advice, legal advice, or medical advice. Health insurance decisions involve complex individual factors including but not limited to:

• Your specific health conditions and needs
• Household income and tax filing status
• Eligibility for government programs or subsidies
• State and federal regulatory requirements
• Carrier availability in your specific geographic area
• Individual underwriting criteria (for non-ACA plans)

Only a thorough, personalized consultation with a licensed agent who understands your complete situation can provide advice tailored to your needs.

Pricing and Coverage Accuracy

Health insurance premiums, benefits, deductibles, copays, coinsurance rates, out-of-pocket maximums, provider networks, and formularies referenced on this website are subject to change without notice. Specific figures mentioned in our articles, guides, and informational pages are approximate and may not reflect current pricing or availability.

Actual premiums depend on numerous factors including your age, zip code, tobacco use, number of covered dependents, selected plan, and metal tier. Subsidy amounts depend on household income, family size, and the benchmark Silver plan premium in your area.

We make every effort to update pricing information regularly, but plan details change at least annually (and sometimes mid-year). Always verify current plan details, premiums, and provider networks directly with the insurance carrier or through Healthcare.gov before making enrollment decisions.

Carrier and Plan Availability

Insurance carriers and plans referenced on this website may not be available in all Florida counties or zip codes. Carrier participation in the ACA Marketplace and the individual market changes annually. A carrier or plan available in Collier County may not be available in neighboring counties, and vice versa.

References to specific carriers (such as Florida Blue, Ambetter, Molina, Oscar, Aetna, Cigna, or UnitedHealthcare) do not imply endorsement, and the availability of our appointments with these carriers is subject to change.

Savings and Comparison Claims

Any claims regarding potential savings (such as savings compared to COBRA premiums or potential subsidy amounts) are based on general market observations and past client experiences. Individual results vary significantly based on personal circumstances. We do not guarantee any specific savings amount, premium reduction, or subsidy qualification.

Testimonials and case studies presented on this website represent individual client experiences and may not be representative of all client outcomes. Past results do not guarantee similar future results.

Licensing and Regulatory Information

Find My Health Coverage agents are licensed by the Florida Department of Financial Services to sell health insurance in the State of Florida. Our agents maintain required continuing education and carrier appointments as mandated by Florida law.

We are not affiliated with or endorsed by any government agency, including the Centers for Medicare & Medicaid Services (CMS), the U.S. Department of Health and Human Services (HHS), the Florida Office of Insurance Regulation, or Healthcare.gov. While we are certified to assist with Marketplace enrollments, we operate as an independent insurance agency.

Agent Compensation Disclosure

Find My Health Coverage and its agents receive compensation from insurance carriers when clients enroll in health insurance plans through our agency. This compensation typically takes the form of commissions paid by the carrier and does not increase the premium you pay. The premium for any given plan is the same whether you enroll directly, through Healthcare.gov, or through a licensed agent.

Compensation amounts may vary by carrier, plan type, and enrollment method. While we strive to provide unbiased recommendations based on your needs and budget, you should be aware that this compensation structure exists. We are committed to transparency and will disclose specific compensation information upon request.

Non-ACA Plan Warnings

Some health insurance products discussed on this website, such as short-term health insurance plans, health care sharing ministries, fixed indemnity plans, and supplemental policies, are not Affordable Care Act (ACA) compliant plans. These products:

• May not cover pre-existing conditions
• May impose waiting periods for certain benefits
• May have annual or lifetime benefit limits
• May not cover all Essential Health Benefits required by the ACA
• May not satisfy any applicable coverage requirements
• May use medical underwriting and can deny coverage based on health history

We clearly identify non-ACA products in our advisory process and explain the differences and tradeoffs so you can make an informed decision.

Third-Party Content and Links

This website may contain links to third-party websites, resources, and tools. These links are provided for your convenience and do not constitute an endorsement. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

Limitation of Liability

To the fullest extent permitted by applicable law, Find My Health Coverage, its owners, agents, and employees shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from:

• Your use of or inability to use our website or services
• Any errors, inaccuracies, or omissions in the content on our website
• Insurance coverage decisions made based on information from our website
• Claim denials or coverage disputes with insurance carriers
• Changes in insurance regulations, carrier availability, or plan terms

Changes to This Disclaimer

We reserve the right to modify this disclaimer at any time. Changes take effect immediately upon posting to this page. We encourage you to review this page periodically for updates.

Questions

If you have questions about this disclaimer or any information presented on our website, please contact us:

Find My Health Coverage
2745 Tamiami Trail N, Suite 200
Naples, FL 34103
Phone: (844) 603-0046
Email: info@findmyhealthcoverage.com