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Disclaimer

The following disclaimers apply to your use of affordablehealthcareplans.net (the "Site") and all services provided by Prodest Insurance Group. Please read these disclaimers carefully before using this Site or relying on any information presented here.

Not an Insurance Carrier

Prodest Insurance Group is a licensed health insurance brokerage. We are not an insurance carrier, underwriter, or issuer of insurance policies. We do not assume any risk, adjudicate claims, or make coverage determinations. All insurance policies are issued, underwritten, and administered by the insurance carriers whose plans we present. Our role is limited to helping you compare plans, understand your options, and facilitate the enrollment process with the carrier you select.

Not a Government Agency

This Site is not affiliated with, endorsed by, or connected to HealthCare.gov, the federal Health Insurance Marketplace, any state-based health insurance exchange, or any federal, state, or local government agency. References to the Marketplace, open enrollment periods, special enrollment periods, or premium tax credits are provided for informational context only and should not be interpreted as official government communications.

Broker and Licensing Disclosure

Jeremy Irons (National Producer Number: 20969524) is the president and principal licensed health insurance broker of Prodest Insurance Group. The company holds active health insurance producer licenses in the following 17 states: NC, SC, GA, FL, TX, VA, TN, AL, MS, AR, KY, IN, OH, PA, NJ, CO, and AZ. We are only authorized to discuss, recommend, or facilitate enrollment in insurance products within these states.

Products Vary by State

Insurance products, plans, carriers, networks, premiums, and benefits vary significantly by state, county, ZIP code, age, household composition, and enrollment period. Not all plans, carriers, or coverage types are available in all areas. The availability of specific plans referenced on this Site is subject to change without notice based on carrier decisions, regulatory changes, and enrollment deadlines. Always verify plan availability for your specific location and circumstances.

General Information Only

All content on this Site, including articles, guides, plan descriptions, cost estimates, comparisons, and frequently asked questions, is provided for general informational purposes only. This content does not constitute and should not be relied upon as:

  • Insurance advice or a recommendation to purchase a specific plan
  • Legal advice or interpretation of insurance law or regulations
  • Tax advice or guidance on the tax implications of health insurance decisions
  • Financial advice or a recommendation regarding your financial situation
  • Medical advice or a recommendation regarding your healthcare needs

You should consult with qualified professionals, including licensed insurance agents, attorneys, accountants, and healthcare providers, for advice specific to your individual circumstances.

Short-Term Health Insurance Plans

Short-term health insurance plans referenced on this Site are not Affordable Care Act (ACA) compliant. Short-term plans do not provide the same level of coverage as ACA-compliant major medical plans. Specifically, short-term plans may exclude coverage for pre-existing conditions, may impose annual or lifetime benefit limits, may not cover essential health benefits required by the ACA (such as maternity care, mental health services, or prescription drugs), and may not count toward satisfying any applicable individual mandate requirements. Short-term plans are designed for temporary gap coverage and should not be considered a substitute for comprehensive health insurance.

Subsidy and Premium Tax Credit Estimates

Any subsidy estimates, premium tax credit calculations, or cost-sharing reduction information provided on this Site or during consultations with our brokers are approximations only. Actual subsidy amounts depend on your verified household income, household size, age, location, and the cost of the benchmark Silver plan in your area, as determined by HealthCare.gov or your state exchange during the enrollment process. Our estimates are based on the information you provide and general market data; they are not binding and should not be treated as guarantees of the amount you will receive.

Carrier Names and Trademarks

Insurance carrier names, logos, trademarks, trade names, and service marks referenced on this Site are the property of their respective owners. Their inclusion on this Site is for identification and informational purposes only and does not imply any endorsement of, affiliation with, or sponsorship by those carriers. Prodest Insurance Group is an independent brokerage and is not owned by, employed by, or exclusively representing any single insurance carrier.

No Guarantee of Accuracy

While we make reasonable efforts to ensure the accuracy and timeliness of the information on this Site, we do not warrant or guarantee that all information is complete, accurate, or current. Plan details, premiums, networks, formularies, and carrier participation are subject to change. Errors and omissions may occur. You are responsible for verifying all plan details directly with the insurance carrier or marketplace before making enrollment decisions.

Contact Us

If you have questions about these disclaimers, please contact us:

affordablehealthcareplans.net is operated by Prodest Insurance Group. Jeremy Irons (NPN: 20969524) is a licensed health insurance broker licensed in NC, SC, GA, FL, TX, VA, TN, AL, MS, AR, KY, IN, OH, PA, NJ, CO, and AZ. This site is not affiliated with HealthCare.gov, the federal Health Insurance Marketplace, or any government agency. We do not offer Medicaid, Medicare, or CHIP enrollment. Insurance products and availability vary by state. Not all products available in all areas. By calling or submitting a quote request, you consent to be contacted by a licensed insurance agent.