Last Updated: May 10, 2026

1. Introduction & Agency Disclosure

Welcome to GetCoveredFL.org. These Terms of Service ("Terms") govern your access to and use of this website. This site is owned and operated by HealthLink Insurance Agency LLC, a licensed insurance agency in the state of Florida (License #L131967).

By using this site, you acknowledge that:

• We are a private insurance agency and not a government entity.
• This site is not the "Official" Federal Health Insurance Marketplace or the Centers for Medicare & Medicaid Services (CMS).
• We do not offer every plan available in your area.

2. TCPA Consent & Communication Disclosure

By providing your phone number and clicking "Continue" (or any submission button), you provide your express written consent to be contacted by HealthLink Insurance Agency LLC and its [Authorized Partners] regarding health insurance products.

• Methods of Contact: You may be contacted via live telephone calls, text messages, or pre-recorded/artificial voice messages, including those generated by an automated telephone dialing system.
• One-to-One Consent: You agree to be contacted specifically by HealthLink Insurance Agency LLC or its designated hierarchy partners as disclosed in our Privacy Policy.
• No Purchase Required: Consent is not a condition of purchasing any goods or services.
• Carrier Specifics: You may be contacted regarding plans from various carriers, including but not limited to Florida Blue and Ambetter.

3. Accuracy of Information & Subsidies

• Estimated Quotes: Any quotes, copays, or premium amounts (including "$0 premiums") are estimates based on the data you provide (income, age, ZIP code).
• Government Determination: Final eligibility for subsidies (APTC) and plan enrollment is determined solely by the Health Insurance Marketplace (Healthcare.gov).
• No Guarantee: We do not guarantee that every user will qualify for the plans or rates displayed.

4. Lead Distribution (The "Overflow" Clause)

HealthLink Insurance Agency LLC operates as a primary agency. If our internal team is unable to assist you immediately due to high volume, you agree that your request may be routed to a licensed affiliate within our agency hierarchy. All such partners are licensed in the State of Florida and are subject to strict data privacy standards.

5. Prohibited Use

You agree not to use this site for any fraudulent purpose, including providing false income or contact information. You may not use automated systems (bots/scrapers) to extract data from this site.

6. Limitation of Liability

To the maximum extent permitted by law, HealthLink Insurance Agency LLC shall not be liable for any direct, indirect, or consequential damages resulting from your use of this site or your inability to qualify for specific insurance coverage.

7. Contact Information