Terms of use

Effective date: [LAUNCH DATE — set before go-live]

What this site is

under65healthplans.com is an educational website operated by Group Benefits Ltd, with insurance services provided by a licensed health insurance producer (NPN 994557). Content here is general information about health coverage for people under 65. It is not legal, tax, or financial advice, and it is not a substitute for the plan documents, official Marketplace determinations, or advice tailored to your situation.

What this site is not

This is not the Health Insurance Marketplace® website. We are not affiliated with or endorsed by the U.S. government. We do not display plan quotes or premiums on this site; all quoting, subsidy estimation, and enrollment happen on HealthSherpa, a CMS-approved Enhanced Direct Enrollment partner, under its own terms of use.

Compensation

If you enroll in a plan after using our referral link, the insurance carrier may pay our licensed producer a commission and designate the producer your agent of record. This never changes your premium. We charge consumers nothing.

Accuracy and freshness

The individual health insurance market changes monthly. We date-stamp our reviews, state the plan year next to every dollar figure, and re-verify money pages each October and January — but rules can change between reviews. Where this site and an official source (CMS, HealthCare.gov, the IRS, your state regulator) disagree, the official source controls.

Liability

The site is provided as-is. To the maximum extent permitted by law, Group Benefits Ltd disclaims liability for decisions made in reliance on general educational content. Confirm plan details — networks, formularies, cost-sharing — with the carrier or the Marketplace before enrolling.