Licensed Insurance Agent
This website is operated by Tupac Manzanarez, a licensed health insurance agent.
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States Licensed: [States served placeholder — availability varies by state]
Licensing information is subject to change. Contact us or verify with your state's Department of Insurance for current licensing status.
Plan and Product Availability
Not all health insurance products, plans, or carriers described or referenced on this website are available in all states. Plan availability, premiums, benefits, and network details vary by state, county, carrier, and the individual's specific circumstances.
References to plan types (e.g., marketplace plans, COBRA, Medicaid) are for general informational purposes only. Availability, eligibility, and specific plan terms are determined by the applicable carrier, marketplace, or government program — not by this website.
Eligibility, Availability, and Pricing Vary
Eligibility for any health insurance plan or program — including ACA marketplace plans, premium tax credits, Medicaid, COBRA, employer plans, or any other coverage — is determined by the relevant carrier, marketplace, or government program based on individual circumstances. Nothing on this website constitutes a guarantee of eligibility or coverage.
Plan pricing, including monthly premiums, deductibles, copays, coinsurance, and out-of-pocket maximums, varies by state, carrier, plan type, household size, income, and other factors. Prices and plan terms are subject to change without notice.
Enrollment in any plan is subject to carrier approval and the applicable enrollment rules and deadlines. This website does not guarantee enrollment in any plan.
No Guarantee of Savings
Nothing on this website constitutes a guarantee that you will save money, receive a lower premium, or receive better benefits than any plan you currently have or have had. Any cost or benefit comparisons referenced on this site are illustrative only and are not representations of what any specific individual will experience.
Premium tax credits (subsidies) on ACA marketplace plans depend on individual income, household size, and other eligibility criteria. Subsidy availability cannot be guaranteed.
Content Is for Informational Purposes Only
The content on this website — including articles, guides, FAQs, and all other written material — is provided for general informational purposes only. It is designed to help individuals understand common coverage transition situations and is not a substitute for personalized advice from a licensed professional familiar with your specific situation.
While we make reasonable efforts to keep content accurate and up to date, health insurance rules, plan details, and government program requirements change frequently. We do not warrant that any content on this site is current, complete, or accurate as applied to any individual circumstance.
Not Legal or Tax Advice
Nothing on this website constitutes legal advice, tax advice, or financial advice. References to tax-related topics (such as the self-employed health insurance deduction or premium tax credits) are general in nature and are not tailored to your individual tax situation. Consult a qualified tax professional or attorney for advice specific to your circumstances.
Plans and Pricing Subject to Change
Health insurance plans, premiums, benefits, networks, and enrollment rules are subject to change by carriers, the federal government, and state regulators. Information provided during a consultation reflects what is available at the time of that conversation and may change before or after enrollment.
Enrollment Subject to Carrier Approval
Submission of an enrollment application does not guarantee enrollment. All enrollments are subject to review and approval by the applicable insurance carrier or program administrator, in accordance with their underwriting guidelines, eligibility rules, and applicable law.
Contact Information
If you have questions about this disclaimer or the information on this website, please contact us: