Please read these terms before using sunstatecoverage.com.
Effective Date: January 1, 2025 | Last Updated: January 1, 2025
By accessing or using sunstatecoverage.com (the "Site"), you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use the Site. These terms apply to all visitors and users of the Site.
The content on this Site is provided for general informational purposes only. It is not intended to constitute, and should not be relied upon as, legal, financial, medical, or insurance advice. The information on this Site describes general concepts related to health and life insurance and may not reflect the most current regulatory, plan, or pricing information in your specific area.
Health insurance plan availability, premiums, benefits, and eligibility requirements vary by zip code, county, income, household size, and other factors. Nothing on this Site constitutes a guarantee of coverage, pricing, or eligibility for any specific plan or subsidy.
This Site does not constitute an offer to sell or a solicitation to purchase insurance. Actual coverage terms, premiums, and benefits are determined by licensed insurance carriers and are subject to the terms of the specific policy issued. Coverage is not effective until a policy is issued and any required premium is paid.
By submitting a form on this Site, you request to be connected with a licensed insurance professional. The licensed advisors who may contact you are independent licensed insurance agents or agencies, not employees of Sunstate Coverage. Any insurance recommendations they make are based on your disclosed needs and the products available in your area at the time of inquiry.
Licensed advisors connected through this Site are licensed in the state of Florida and may receive compensation in the form of commissions from insurance carriers when a policy is issued. This compensation does not change the premium you pay.
We make reasonable efforts to ensure the information on this Site is accurate and up to date. However, insurance regulations, plan offerings, carrier availability, and subsidy amounts change frequently. We do not warrant the completeness, accuracy, or timeliness of any information on this Site. You should verify specific plan information with the carrier or a licensed advisor before making any coverage decisions.
The ACA Subsidy Calculator tool available on this Site provides estimates only. Estimates are based on published Federal Poverty Level guidelines and general subsidy formulas. Actual premium tax credit amounts depend on the specific plans available in your area, your confirmed income and household information, and final determination through HealthCare.gov or a licensed enrollment entity. The tool does not constitute a binding subsidy determination.
This Site contains links to third-party websites including FloridaPlanFinder.com and GetFloridaCoverage.com. These links are provided for your convenience. We are not responsible for the content, accuracy, or privacy practices of third-party sites. The presence of a link does not imply endorsement.
All content on this Site, including text, graphics, logos, and code, is owned by or licensed to Sunstate Coverage and is protected by applicable copyright and intellectual property laws. You may not reproduce, distribute, or create derivative works from Site content without prior written permission.
To the fullest extent permitted by applicable law, Sunstate Coverage and its affiliates, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of this Site or reliance on any information provided here, even if advised of the possibility of such damages. Our total liability for any claim related to the Site shall not exceed $100.
The Site and its content are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.
These Terms of Use are governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law principles. Any legal action arising from your use of this Site shall be brought in a court of competent jurisdiction in the State of Florida.
We reserve the right to modify these Terms of Use at any time. Changes will be posted on this page with an updated effective date. Your continued use of the Site after any changes constitutes your acceptance of the revised terms.
Questions about these Terms of Use may be directed to:
Email: [email protected]
Site: sunstatecoverage.com
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Sunstate Coverage is an independent insurance resource serving Florida residents. We are not affiliated with the federal government, HealthCare.gov, or any specific insurance carrier. Plan availability and pricing vary by zip code and eligibility. Licensed advisors are available in Florida. This site does not provide legal or financial advice.