Terms of Service.

About these terms

These Terms of Service describe the conditions for using the AffordaCare Insurance website and its online resources. “AffordaCare,” “we,” “us,” and “our” refer to Affordacare Insurance Agency, LLC (AffordaCare Insurance). If you do not agree to these terms, please do not use the website.

Our mailing address is 17300 Dallas Pkwy, Suite 2065, Dallas, TX 75248. These terms concern website use. They do not replace an insurance policy, benefit plan document, enrollment agreement, or a separate written agreement with us. Any acceptance or consent required by law will be requested separately.

Insurance & benefit information

AffordaCare is an insurance agency, not an insurance carrier. We do not issue or underwrite insurance policies. Products and services are subject to availability, applicable licensing, eligibility, carrier approval, and state requirements.

Website descriptions, comparisons, illustrations, and estimates are general information. They are not a binder of coverage, a guarantee of savings, or a promise that a claim will be paid. Submitting an inquiry or requesting a quote does not enroll you or start, change, or cancel coverage.

The applicable policy, certificate, plan documents, and required disclosures govern benefits, exclusions, limitations, premiums, and effective dates. Obtain confirmation from the insurer or authorized plan administrator before relying on coverage. CHAMP and other benefit programs must be evaluated under their own documents; do not assume a supplemental or wellness benefit replaces major medical insurance.

Guidance & AI assistance

Website content is not medical, legal, tax, or individualized investment advice. Consult an appropriately qualified professional about your circumstances.

Our AI assistant is a custom GPT accessed through OpenAI’s ChatGPT, an automated informational tool. Your use of ChatGPT is also subject to the terms and privacy notices presented by OpenAI. Its answers may be incomplete, inaccurate, or outdated and do not bind AffordaCare or an insurer. Confirm coverage, eligibility, pricing, and plan details with a licensed representative and the applicable documents.

Do not enter Social Security numbers, payment details, medical records, or other sensitive information into general chat or email. For a medical emergency, call 911.

Responsible use

Use the website lawfully and provide accurate information that you are authorized to share. If acting for an employer or another person, you must have authority to do so. Our inquiry and enrollment resources are intended for adults who can enter into an agreement.

Do not impersonate others, submit fraudulent applications, introduce malicious software, attempt unauthorized access, or interfere with the website. We may restrict access to address misuse or security concerns, subject to applicable law.

Calls, texts & email

When you contact us, we may respond about your request. Using this website or accepting these terms does not, by itself, authorize automated marketing calls or texts. Where required, we will seek separate, specific consent. Consent to marketing is not a condition of purchasing insurance.

If you opt into a text program, its enrollment disclosure will describe the program and any applicable message frequency and charges. Message and data rates may apply. You can revoke consent by replying STOP to a text or by another reasonable method, including contacting us. For assistance, use the contact information below.

Use the unsubscribe link in a marketing email or contact us to stop marketing email. Requests will be honored within applicable legal deadlines. Unsubscribing from marketing does not necessarily stop nonmarketing communications about a requested service or existing coverage that may lawfully be sent.

Privacy & electronic records

Our Privacy Policy explains personal information and privacy choices. These terms do not authorize uses or disclosures that require separate permission.

Sending an online inquiry does not waive any right to paper documents or constitute consent to electronic delivery of legally required notices. Where electronic delivery requires consent, the applicable disclosures and choice will be provided separately.

Website content & other providers

Website text, designs, logos, and other materials belong to AffordaCare or their respective owners. You may view and print materials for personal use or internal evaluation of benefits, while retaining ownership notices. Other use requires permission unless permitted by law.

Links may take you to insurers, benefit providers, or other third parties. Their services, terms, and privacy practices are their own. A link does not guarantee their content, availability, or performance.

Availability & responsibility

We aim to keep information useful and accurate, but the website may contain errors or experience interruptions. To the extent permitted by law, the website is provided “as is” and “as available,” without warranties of uninterrupted access or completeness.

Nothing in these terms excludes liability that cannot lawfully be excluded, excuses fraud or unlawful conduct, or limits protections and remedies available under applicable insurance or consumer protection law. Website disclaimers do not change an insurer’s obligations under a policy.

Changes & your legal rights

We may update these terms and will identify the updated version on this page. Material changes will receive any additional notice or consent required by law. Changes do not retroactively remove accrued rights or amend an insurance contract.

Applicable federal and state law governs your rights. These terms do not require mandatory arbitration or waive class actions, jury trials, or the right to contact an insurance regulator or other government agency. If a provision is unenforceable, the remaining provisions apply to the extent permitted by law.