Terms of use

Who I am

I'm Victor Oliveira, a licensed independent insurance agent in Florida (license G136764, NPN 21241133), and Affordable Access Health is my business.

I'm not the government, and I'm not affiliated with HealthCare.gov or any government agency.

General information, not advice

This site explains how Marketplace health plans work in plain words. It isn't legal, tax or immigration advice.

For your own tax return, ask a tax preparer. For immigration questions, ask an immigration attorney.

The income check is only a starting point

The optional income check compares your expected 2027 household income with the 2026 federal poverty guidelines. It doesn't calculate a price, and it isn't a quote or an eligibility decision.

Your real price depends on your age, your ZIP code, your household, your income and the plan you pick.

No promises about eligibility or price

The Marketplace decides who qualifies and how big the tax credit is, and insurance companies set plan prices.

I can't promise that you'll qualify, that you'll get a certain price, or that a $0 monthly price will be available to you.

Your application

You're responsible for the information on your application, and your income should be your honest best estimate.

When I help you, you review and confirm everything before it's sent, and nothing is submitted without your OK.

HealthSherpa and other websites

HealthSherpa is a separate enrollment website with its own terms and privacy policy. Links to other sites are there to help you, and I'm not responsible for what those sites say or do.

Messages

If you check the permission box and send the request form, you agree I can contact you about that request using the method you chose. It isn't consent to enroll or to submit a Marketplace application. Reply STOP at any time to opt out.

The privacy policy explains the rest. Privacy policy

Keeping things current

Health insurance rules change, and I update this site when they do. If something here doesn't match what the Marketplace or your insurance company tells you, go with what they say.

Limits

I work to keep this site accurate, but it's provided as is. As far as the law allows, I'm not responsible for losses that come from relying only on its general information.

Florida law

These terms are governed by the laws of Florida.

Changes

If I change these terms, I'll update the date at the top of this page.

Contact

Victor Oliveira, Affordable Access Health. Phone (954) 641-2147. Email victor@affordableaccesshealth.com.