Acceptance of Terms

These Terms of Use govern your access to and use of the Enrollment Coverage website, educational content, quote tools, and related services.

By accessing or using the website, you acknowledge that you have read and agree to these Terms. If you do not agree, you should not use the website or its tools.

About Enrollment Coverage

Enrollment Coverage, LLC ("Enrollment Coverage") is an independent insurance brokerage licensed in the states where it provides insurance services.

Enrollment Coverage is not a government agency and is not the Health Insurance Marketplace.

Our site provides consumers with the information and tools they need to compare health insurance plans, including Marketplace and off-Marketplace plans.

HealthSherpa is a CMS-approved Enhanced Direct Enrollment (EDE) web-broker that facilitates Marketplace quoting and enrollment.

HealthSherpa's services relate to Marketplace enrollment and do not necessarily include off-Marketplace or supplemental insurance.

Eligibility and Authority

The quoting and enrollment functions are intended for adults who are at least 18 years old and legally capable of providing the requested information.

An adult may provide information about minor dependents as part of a household quote or application.

If you provide information about another person, you represent that you are authorized to provide it under applicable law and enrollment requirements.

If you use the website on behalf of a business or organization, you represent that you have authority to act for and bind that entity.

Website content may be used for personal or internal business purposes related to evaluating coverage, but not for resale, republication, or unauthorized commercial exploitation.

How Quotes and Enrollment Work

You can use this site to generate health insurance quotes by entering your ZIP code, household income, household size, applicant ages and genders, relationships, and enrollment-event answers.

Quote information is stored in your browser's session storage and may be transmitted to HealthSherpa if you proceed with Marketplace enrollment.

When you proceed to HealthSherpa in a state where we are licensed, the enrollment link may identify Enrollment Coverage as the associated broker. You can request direct agent assistance.

If you continue with HealthSherpa, information used to generate your quote, such as your ZIP code, household size, household income, applicant ages and genders, relationships, and enrollment-event answers, will be transmitted to HealthSherpa to display available Marketplace plans and, if you choose, begin enrollment. HealthSherpa's Privacy Notice applies to information processed through its platform.

Roles and Responsibilities

The Health Insurance Marketplace determines eligibility for Marketplace coverage and financial assistance.

Insurance carriers issue and administer coverage and are responsible for benefits, claims, provider networks, and formularies.

Enrollment Coverage does not issue policies, make eligibility determinations, or guarantee any benefit, premium, or network participation.

Accepting these Terms does not by itself authorize Enrollment Coverage to act as your agent or satisfy any Marketplace consent or application-review requirements.

Broker assistance in the Marketplace enrollment process requires separate documented consent as required by CMS.

Compensation Disclosure

Enrollment Coverage may receive compensation from insurance carriers when you enroll in a plan through our associated link or with agent assistance.

Compensation varies by carrier and product. State licensing, carrier appointments, service areas, platform availability, and eligibility may limit plan availability.

Communications

If you provide your contact details, request assistance, or proceed with enrollment, you may receive communications relating to your requested services, enrollment, security, legal, or recordkeeping requirements.

Providing information does not constitute consent to receive unrelated marketing communications.

Enrollment Coverage does not send unsolicited marketing communications.

Third parties such as HealthSherpa, insurance carriers, and the Marketplace have their own communication practices and may contact you directly.

Payments

Enrollment Coverage does not collect or process any payment information through this website.

Quotes, Coverage, and Plan Information

Quotes are estimates only and do not constitute offers, contracts, eligibility determinations, or guarantees of coverage.

Official eligibility notices, insurance policies, Evidence of Coverage documents, Summaries of Benefits and Coverage, provider directories, and formularies control when they differ from information presented on this website.

Verify provider participation, prescription coverage, plan benefits, premiums, and service areas before enrolling.

Coverage does not become effective until the insurance carrier confirms effectuation and you pay any required initial premium.

Privacy and Data Protection

For details about how we handle your information, please review our Privacy Policy.

Intellectual Property and Website Use

Website content is owned by or licensed to Enrollment Coverage and is protected by applicable intellectual-property laws.

You may use the website and its content for your personal or internal business purposes related to evaluating coverage and as otherwise permitted by law.

Automated access, such as bots and scrapers, is prohibited. This restriction does not apply to assistive technologies or authorized public search-engine indexing that complies with our robots.txt file and other access controls.

Prohibited uses also include submitting false or misleading information, attempting to interfere with security features, introducing malicious code, attempting to gain unauthorized access, or disrupting the site's normal operation.

Website Warranty Disclaimer

The website and its content are provided "as is" and "as available." Enrollment Coverage does not warrant uninterrupted, error-free, or continuously available site operation or that all features will function as intended.

Limitation of Liability

To the fullest extent permitted by law, Enrollment Coverage disclaims liability for any indirect, incidental, special, consequential, or punitive damages arising from your use of the website.

This limitation does not apply to rights or liabilities that cannot legally be excluded.

Indemnification

You agree to indemnify and hold harmless Enrollment Coverage from third-party claims, damages, or expenses to the extent caused by your unlawful misuse of the website, material violations of these Terms, or infringement of others' rights.

Suspension of Access

Enrollment Coverage may suspend or restrict access to the website for fraud, abuse, unlawful activity, unauthorized access, or security threats. Suspension does not affect the status of any insurance policy issued by a carrier.

Governing Law and Venue

These Terms are governed by the laws of the State of Arizona, except as otherwise required by applicable law.

Venue for any dispute shall be in Maricopa County, Arizona, subject to any mandatory rights or venue provisions available to consumers in other states.

Changes to These Terms

We may update these Terms prospectively. Material changes will be announced through a conspicuous notice on this website. Affirmative acceptance will be obtained when required by law or by the nature of a material change. Continued use of the website after changes take effect constitutes acceptance of the updated Terms.

Severability, No Waiver, Assignment, Entire Agreement, and Survival

If any provision of these Terms is found unenforceable, the remainder will remain in effect.

A failure or delay by Enrollment Coverage in enforcing any provision of these Terms does not waive that provision or the right to enforce it later.

You may not assign your rights under these Terms without our prior written consent.

These Terms constitute the entire agreement between you and Enrollment Coverage regarding your use of the website but do not replace separate Marketplace consents, applications, eligibility notices, carrier documents, HealthSherpa terms, or other agreements.

Any sections that, by their nature, should survive termination shall do so.

Third-Party Platforms

HealthSherpa and other external services have their own terms of use and privacy notices. You should read those terms before using any external services or platforms linked from this website.

Contact Us

For questions, requests, or concerns related to this page, please feel free to contact us using the information below:

Enrollment Coverage
Phoenix, Arizona, United States
Phone: (602) 989-3655
Email: support@enrollmentcoverage.com