Terms and Conditions

Last Updated: March 19, 2026

The Health Insurance Resource provides health insurance information and resources. By accessing or using this website or our services, you agree to be bound by these Terms and Conditions. Please read them carefully.

1. Company Information

Company: The Health Insurance Resource
National Producer Number (NPN): 19063611
License Number: L104804
Mailing Address: 980 N FEDERAL HWY STE 308, Boca Raton, FL 33432
Phone: (855) 277-4838
Email: info@thehealthinsuranceresource.com

2. Acceptance of Terms

By accessing or using our website or services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions, as well as our Privacy Policy. If you do not agree to these terms, you must not use our website or services.

3. Disclaimer - Not a Government Website

IMPORTANT: The Health Insurance Resource is NOT a government website and is NOT affiliated with the Health Insurance Marketplace, HealthCare.gov, Medicare.gov, or any federal or state government agency. We are a private, independent insurance agency licensed to provide health insurance products and services.

4. Third-Party Marketing Organization (TPMO) Disclosure

The Health Insurance Resource operates as a Third-Party Marketing Organization (TPMO) for certain insurance products, including Medicare plans. We do not offer every plan available in your area. Currently, we represent a limited number of organizations which offer [insert number] plans in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

5. Data Collection, Use & Privacy

Information We Collect: We collect personal information including but not limited to: name, contact details (address, email, phone number), date of birth, Social Security Number (when required for enrollment), health information, and insurance preferences. This information is necessary to provide you with insurance quotes, enrollment assistance, and ongoing service.

How We Use Your Information: We use your information to: (a) provide insurance quotes and recommendations, (b) facilitate insurance enrollment, (c) communicate with you about your insurance options, (d) comply with legal and regulatory requirements, and (e) improve our services.

Data Security: We implement technical and organizational measures designed to protect your Personal Health Information (PHI) and Personally Identifiable Information (PII) from unauthorized access, disclosure, alteration, or destruction. However, no method of electronic transmission or storage is 100% secure.

Your Consent: By using our services, you consent to the collection, use, and processing of your information as described in these Terms and our separate Privacy Policy, which is incorporated by reference. You have the right to withdraw consent at any time by contacting us.

HIPAA Compliance: For services involving Protected Health Information (PHI), we comply with the Health Insurance Portability and Accountability Act (HIPAA) and maintain appropriate safeguards.

6. User Responsibilities

You agree to:

• Provide accurate, current, and complete information during enrollment and at all times when using our services
• Update your information promptly if it changes
• Maintain the confidentiality of any account credentials
• Use our website and services only for lawful purposes
• Not attempt to interfere with the proper functioning of our website or services

7. Prohibited Activities

You may not:

• Use our website or services in any way that violates applicable federal, state, or local laws
• Attempt to gain unauthorized access to our systems, networks, or databases
• Modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any content from our website without written permission
• Frame or mirror any portion of the website
• Use automated systems (robots, spiders, scrapers) to access our website without permission
• Misrepresent your identity or affiliation with any person or entity

8. Intellectual Property Rights

All content on this website, including but not limited to text, graphics, logos, images, audio clips, digital downloads, and software, is the property of The Health Insurance Resource or its content suppliers and is protected by United States and international copyright laws. The compilation of all content on this site is our exclusive property.

Our trademarks, service marks, and logos (the "Marks") used and displayed on this website are our registered and unregistered trademarks. You may not use the Marks without our prior written permission.

9. No Guarantee of Availability or Pricing

We do not guarantee:

• The availability of any specific insurance product or plan
• The accuracy of premium quotes, as final pricing is determined by insurance carriers
• That you will qualify for any particular insurance plan or subsidy
• The specific terms, conditions, or coverage details of any insurance product, which are subject to carrier approval and may change

All insurance applications are subject to underwriting and approval by the insurance carrier.

10. Accurate Representation (Florida Statute 626.9541 Compliance)

All information, advertising, and communications provided by The Health Insurance Resource are intended to be truthful, accurate, and not misleading. We comply with Florida Statute 626.9541 regarding unfair methods of competition and unfair or deceptive acts or practices. If you believe any information provided is inaccurate or misleading, please contact us immediately.

11. Electronic Communications

By using our services, you consent to receive communications from us electronically, including via email, text message (SMS), or by posting notices on our website. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

Email Security: Please be aware that email communications may not be secure. You accept the risks associated with sending sensitive information via email.

12. Telephone Consumer Protection Act (TCPA) Consent

By providing your telephone number(s) to The Health Insurance Resource, you expressly consent to receive calls, text messages (SMS), and/or pre-recorded messages from us, our authorized representatives, and insurance carriers regarding health insurance products and services. This consent applies even if your number is listed on any Do Not Call registry.

You may revoke this consent at any time by:

• Replying "STOP" to any text message
• Calling us at (855) 277-4838 to request removal
• Emailing us at info@thehealthinsuranceresource.com

Standard message and data rates may apply to SMS communications.

13. Third-Party Links

Our website may contain links to third-party websites or services that are not owned or controlled by The Health Insurance Resource. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that we shall not be responsible or liable for any damage or loss caused by your use of any third-party content, goods, or services.

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE HEALTH INSURANCE RESOURCE, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES 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 access to or use of or inability to access or use our website or services
• Any conduct or content of any third party on the website
• Unauthorized access, use, or alteration of your transmissions or content
• Errors or omissions in any content or information on our website
• Insurance coverage decisions made by insurance carriers

15. Indemnification

You agree to defend, indemnify, and hold harmless The Health Insurance Resource and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or in any way connected with:

• Your access to or use of our website or services
• Your violation of these Terms and Conditions
• Your violation of any third-party rights
• Any information you provide to us that is inaccurate, incomplete, or misleading

16. Governing Law & Dispute Resolution

Governing Law: These Terms and Conditions are governed by and construed in accordance with the laws of the State of Florida, specifically applicable in Palm Beach County, without regard to its conflict of law provisions.

Jurisdiction: You agree that any legal action or proceeding arising out of or relating to these Terms or your use of our services shall be brought exclusively in the state or federal courts located in Palm Beach County, Florida, and you consent to the personal jurisdiction of such courts.

17. Complaints & Regulatory Oversight

If you have a complaint or concern about our services, please contact us first:

Phone: (855) 277-4838
Email: info@thehealthinsuranceresource.com
Mail: 980 N FEDERAL HWY STE 308, Boca Raton, FL 33432

If your complaint is not resolved to your satisfaction, you have the right to file a complaint with:

Florida Department of Financial Services
Division of Consumer Services
200 East Gaines Street
Tallahassee, FL 32399-0322
Phone: 1-877-MY-FL-CFO (1-877-693-5236)
Website: www.myfloridacfo.com

For Medicare-related complaints, you may also contact:

Centers for Medicare & Medicaid Services (CMS)
1-800-MEDICARE (1-800-633-4227)
TTY: 1-877-486-2048

18. Modifications to Terms

We reserve the right to modify or replace these Terms and Conditions at any time at our sole discretion. If we make material changes, we will provide notice by updating the "Last Updated" date at the top of these Terms and, where appropriate, by sending you an email notification or posting a notice on our website.

Your continued use of our website or services after any such changes constitutes your acceptance of the new Terms and Conditions.

19. Severability

If any provision of these Terms and Conditions is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it enforceable while preserving its intent, or if not possible, severed from these Terms. The remaining provisions shall continue in full force and effect.

20. Waiver

Our failure to enforce any right or provision of these Terms and Conditions will not be considered a waiver of those rights. Any waiver of any provision of these Terms will be effective only if in writing and signed by an authorized representative of The Health Insurance Resource.

21. Entire Agreement

These Terms and Conditions, together with our Privacy Policy and any other legal notices published by us on our website, constitute the entire agreement between you and The Health Insurance Resource concerning your use of our website and services.

22. Contact Information

If you have any questions about these Terms and Conditions, please contact us:

The Health Insurance Resource
980 N FEDERAL HWY STE 308
Boca Raton, FL 33432
Phone: (855) 277-4838
Email: info@thehealthinsuranceresource.com
NPN: 19063611

These Terms and Conditions were last updated on March 19, 2026. This document does not constitute legal advice. For specific legal guidance, please consult with a qualified attorney.