Terms of Service

1. Acceptance of Terms

By accessing or using GetCoveredFL.com (the "Website"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Website. These Terms constitute a legally binding agreement between you and HealthLink Insurance Agency LLC ("HealthLink," "we," "us," or "our").

2. Description of Services

HealthLink Insurance Agency LLC is an independent, licensed insurance agency. Through this Website, we help Florida residents explore health insurance options, including ACA Marketplace plans, short-term coverage, and other health-related insurance products.

We act as a broker/agent and may connect you with licensed insurance agents who can assist you with enrollment. We do not underwrite insurance policies ourselves; policies are issued by third-party insurance carriers.

3. Not a Government Agency

This Website is not affiliated with, endorsed by, or connected to Healthcare.gov, the Centers for Medicare & Medicaid Services (CMS), or any federal or state government agency. We are an independent licensed insurance agency. For official Marketplace enrollment, you may visit Healthcare.gov directly.

4. Lead Generation & Contact Authorization

By submitting your contact information through our quote forms, callback requests, or other Website features, you expressly authorize HealthLink Insurance Agency LLC and its licensed agents to contact you via phone, email, text message, or other methods regarding health insurance options.

You acknowledge that providing your phone number constitutes prior express consent to receive calls and text messages, including those made using an automatic telephone dialing system or artificial/prerecorded voice, for the purpose of discussing insurance products and services. You may opt out of communications at any time by replying "STOP" to text messages or requesting removal by contacting us.

5. Insurance Licensing

HealthLink Insurance Agency LLC is a licensed insurance agency. Our Florida license number is L131967, and our National Producer Number (NPN) is 21554495. Our Agent of Record, Nick Loucks, holds Florida license number G233885 (NPN: 21137267). For full licensing details, please visit our Licensing page.

6. No Guarantee of Coverage or Rates

While we strive to provide accurate and up-to-date information, we do not guarantee that any specific insurance plan, premium rate, subsidy, or coverage option will be available to you. Insurance eligibility, rates, and plan availability are determined solely by the insurance carriers and applicable government programs. Any estimates or quotes provided are informational only and subject to final underwriting and verification.

7. Intellectual Property

All content on this Website, including text, graphics, logos, and design elements, is the property of HealthLink Insurance Agency LLC or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from any Website content without our prior written permission.

8. Third-Party Links

This Website may contain links to third-party websites, including insurance carrier sites and government resources. We are not responsible for the content, privacy practices, or accuracy of these external sites. Accessing third-party links is at your own risk.

9. Limitation of Liability

To the fullest extent permitted by law, HealthLink Insurance Agency LLC shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of or reliance on this Website or any information provided through it. Your use of the Website is at your sole risk.

10. Changes to These Terms

We reserve the right to modify these Terms at any time. Updated Terms will be posted on this page with a revised "Last updated" date. Your continued use of the Website after any changes constitutes acceptance of the revised Terms.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Illinois, without regard to its conflict of laws provisions. Any disputes arising under these Terms shall be resolved in the courts located in Sangamon County, Illinois.

12. Contact Us

If you have questions about these Terms, please contact us at: