Terms of Service

Acceptance of Terms

Welcome to Cover Health CA. By accessing or using our website and services, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing this site.

About Our Services

Cover Health CA is a licensed health insurance agency that provides:

• Health insurance quote comparisons
• Enrollment assistance for Covered California and off-marketplace plans
• Medicare plan guidance
• Subsidy calculation tools
• General health insurance information and education

California Insurance License: 0F44232 - We are licensed and authorized to sell health insurance in the State of California.

Use of Website

Permitted Use

You may use our website for:

• Researching health insurance options
• Obtaining insurance quotes
• Enrolling in health insurance plans
• Contacting us for assistance

Prohibited Use

You may not:

• Use our website for any unlawful purpose
• Attempt to gain unauthorized access to our systems
• Transmit any harmful code, viruses, or malware
• Collect user information without consent
• Impersonate any person or entity
• Interfere with the proper functioning of the website

Information Accuracy

You agree to provide accurate, current, and complete information when using our services. This includes:

• Personal and household information
• Income information for subsidy calculations
• Health status information for insurance applications

Providing false or misleading information may result in:

• Denial of coverage
• Cancellation of insurance policies
• Legal consequences
• Loss of subsidies or tax credits

Agent Relationship and Compensation

Cover Health CA acts as a licensed insurance agent. Important disclosures:

• Compensation: We receive commissions from insurance carriers when you enroll in a plan through our services. These commissions do not increase your premiums.
• No Fee Service: Our services are provided at no cost to you. You pay the same premium whether you enroll directly or through us.
• Carrier Representation: We represent multiple insurance carriers and can offer you a variety of options.
• Fiduciary Duty: We have a duty to present options suitable for your needs, though we cannot guarantee coverage or specific outcomes.

Disclaimer of Warranties

Our website and services are provided "as is" without warranties of any kind, either express or implied. We make no warranties regarding:

• The accuracy or completeness of information on our website
• The availability or reliability of our website
• The suitability of any particular insurance plan for your needs
• Approval or acceptance of insurance applications

Limitation of Liability

To the fullest extent permitted by law, Cover Health CA shall not be liable for:

• Any indirect, incidental, special, or consequential damages
• Loss of profits, data, or business opportunities
• Decisions made based on information provided on our website
• Actions or omissions of insurance carriers
• Changes to insurance plans, premiums, or subsidies

Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of Cover Health CA or its content suppliers and is protected by copyright and trademark laws. You may not:

• Reproduce or republish content without written permission
• Use our trademarks or branding without authorization
• Create derivative works based on our content

Third-Party Links

Our website may contain links to third-party websites, including:

• Insurance carrier websites
• Covered California
• Provider network search tools

We are not responsible for the content, privacy practices, or terms of service of third-party websites. Use of third-party sites is at your own risk.

Privacy

Your use of our website is also governed by our Privacy Policy. Please review it to understand how we collect, use, and protect your information.

Indemnification

You agree to indemnify and hold harmless Cover Health CA, its affiliates, officers, agents, and employees from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of:

• Your use of our website or services
• Your violation of these Terms of Service
• Your violation of any rights of another party
• Information you provide to insurance carriers

Termination

We reserve the right to terminate or suspend your access to our website and services at any time, without notice, for conduct that we believe:

• Violates these Terms of Service
• Is harmful to other users or our business
• Violates applicable laws or regulations

Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any legal action or proceeding arising under these terms shall be brought exclusively in the courts of California.

Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to this page. Your continued use of our website following the posting of changes constitutes your acceptance of those changes.

Severability

If any provision of these Terms of Service is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.