Draft pending legal review. Not yet in effect.

These terms apply to your use of this website, operated by AP Insurance ("AP Insurance," "we," "us"). By using the website, you agree to them.

What this website does

This website shows estimated prices for ACA Marketplace health plans and sends you to HealthSherpa's website to apply and enroll. It is not the Health Insurance Marketplace® website, and it does not enroll you in coverage. For every Marketplace option in your state, you can also go to HealthCare.gov.

Estimates, not offers

Plan information and prices come from HealthSherpa and the insurance companies, based on the answers you give. They are estimates, not an offer or guarantee of coverage. The Marketplace determines your eligibility, any premium tax credits and your final premium. Coverage is subject to the insurance company's terms, and plan details can change. Check each plan's Summary of Benefits and Coverage before you choose.

Enrolling on HealthSherpa

When you choose a plan, you leave this website for HealthSherpa, which has its own terms and privacy policy. Nothing is submitted to the Marketplace until you review and confirm your application there.

Licensed agent services

AP Insurance's licensed agent, Alexander Perez (NPN 21581485), can help you if you ask to be contacted. We may receive compensation from insurance companies when you enroll. That compensation does not change the order in which plans are shown or the premium you pay.

Using the website

• Give accurate answers, for yourself or for someone you are authorized to help.
• Don't misuse the website, try to break its security, or use automated tools to collect quotes.
• The AP Insurance name, logo and website content belong to us. Plan information belongs to its sources.

Disclaimers and limits

The website is provided "as is." To the extent the law allows, we are not liable for indirect or consequential damages arising from your use of the website, or for information provided by third parties such as HealthSherpa, the insurance companies or the Marketplace. [Limitation of liability and governing law — pending legal review.]

Changes and contact

We may update these terms and will change the date above when we do. Questions: alexanderphinsuranceagent@gmail.com, (786) 545-2931. See also our Privacy Policy.