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Terms of Use

Effective Date: March 25, 2026

Last Updated: March 25, 2026

These Terms of Use ("Terms") govern your access to and use of affordablehealthcareplans.net (the "Site"), which is owned and operated by Prodest Insurance Group ("we," "us," or "our"). By accessing or using this Site, you agree to be bound by these Terms. If you do not agree to these Terms, you must discontinue use of the Site immediately.

1. Not a Government Website

This Site is not affiliated with HealthCare.gov, the federal Health Insurance Marketplace, any state-based health insurance exchange, or any federal, state, or local government agency. Prodest Insurance Group is a private, licensed health insurance brokerage. We do not represent or act on behalf of any government entity. Any information provided on this Site regarding the Health Insurance Marketplace, open enrollment, special enrollment periods, or subsidies is for informational purposes and should not be construed as official government guidance.

2. Broker Disclosure

Prodest Insurance Group is a licensed health insurance brokerage, not an insurance carrier. We do not underwrite, issue, or administer insurance policies. Our role is to help you compare and evaluate health insurance plans from multiple carriers and assist you with the enrollment process.

Jeremy Irons (NPN: 20969524) is the president and principal broker of Prodest Insurance Group. The company holds active health insurance producer licenses in the following states: NC, SC, GA, FL, TX, VA, TN, AL, MS, AR, KY, IN, OH, PA, NJ, CO, and AZ. We are only authorized to transact insurance business in these states.

When you enroll in a health insurance plan through our services, we receive a commission from the insurance carrier. This commission does not increase the cost of your plan. You pay the same premium whether you enroll through us, directly with the carrier, or through HealthCare.gov or a state-based exchange.

3. Informational Content Only

The content on this Site, including articles, guides, plan comparisons, and frequently asked questions, is provided for general informational purposes only. It does not constitute insurance advice, financial advice, legal advice, tax advice, or medical advice. The information presented may not reflect the most current regulatory developments, carrier offerings, or plan details.

You should not rely solely on the information on this Site to make insurance purchasing decisions. We recommend consulting with a licensed insurance professional (including our team) to discuss your specific situation before selecting a plan. Insurance products, availability, pricing, and benefits vary by state, county, age, household composition, and other factors.

4. TCPA Consent Terms

When you submit a form on this Site and check the consent checkbox, you provide your express written consent to be contacted by Prodest Insurance Group (NPN: 20969524) and licensed insurance advisors at the phone number and email address you provided. Contact methods may include automated telephone calls, pre-recorded or artificial voice messages, text messages (SMS/MMS), and emails regarding health insurance products and quotes.

Your consent is voluntary and is not a condition of purchasing any insurance product or service. You may revoke your consent at any time by:

Standard message and data rates may apply for text messages. The frequency of messages will vary based on your interactions with our services. We do not charge for text messages, but your mobile carrier may charge standard messaging fees.

5. User Obligations

By using this Site, you agree to the following:

  • You will provide accurate, current, and complete information when submitting any form on this Site.
  • You will not submit false or misleading information, including fictitious names, phone numbers, or email addresses.
  • You will not use this Site for any unlawful purpose or in any manner that could damage, disable, overburden, or impair the Site or its infrastructure.
  • You will not attempt to gain unauthorized access to any part of the Site, its servers, or any systems connected to the Site.
  • You will not use automated scripts, bots, scrapers, or similar tools to access or extract data from the Site without our prior written consent.
  • You are at least 18 years of age or the age of majority in your state of residence.

6. Intellectual Property

All content on this Site, including text, graphics, logos, images, design elements, page layouts, and software, is the property of Prodest Insurance Group or its licensors and is protected by United States and international copyright, trademark, and other intellectual property laws. The "Affordable Health Care Plans" name, the affordablehealthcareplans.net domain, and related branding are the property of Prodest Insurance Group.

You may not reproduce, distribute, modify, display, perform, create derivative works from, or otherwise exploit any content on this Site without our prior written permission. Limited, non-commercial use for personal reference is permitted, provided you do not remove or alter any copyright or proprietary notices.

Insurance carrier names, logos, and trademarks referenced on this Site are the property of their respective owners. Their appearance on this Site does not imply endorsement of or affiliation with Prodest Insurance Group.

7. Limitation of Liability

To the fullest extent permitted by applicable law, Prodest Insurance Group, its officers, directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to your use of or inability to use this Site, including but not limited to:

  • Errors or omissions in Site content
  • Unauthorized access to or alteration of your data
  • Loss of profits, data, or business opportunities
  • Actions taken based on information provided on this Site
  • Service interruptions or technical failures

Our total aggregate liability for any claims arising from your use of the Site shall not exceed one hundred dollars ($100). This limitation applies regardless of the legal theory under which the claim is brought, including negligence, breach of contract, or strict liability.

8. Disclaimer of Warranties

This Site and all content, services, and information provided through it are offered on an "as is" and "as available" basis without warranties of any kind, whether express or implied. We disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, and accuracy. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.

9. Indemnification

You agree to indemnify, defend, and hold harmless Prodest Insurance Group, its officers, directors, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from or related to your use of the Site, your violation of these Terms, or your violation of any applicable law or the rights of any third party.

10. Third-Party Links and Services

This Site may contain links to third-party websites, including insurance carrier sites, government resources, and informational references. These links are provided for your convenience and do not constitute an endorsement of, or responsibility for, the content, privacy practices, or terms of use of any third-party site. You access third-party sites at your own risk.

11. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of North Carolina, without regard to its conflict of laws principles. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in North Carolina. You consent to the personal jurisdiction of these courts and waive any objection to venue in those courts.

12. Modifications to These Terms

We reserve the right to modify these Terms at any time. When we make changes, we will update the "Last Updated" date at the top of this page. Your continued use of the Site after any modifications constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically. If you do not agree with any changes, you must stop using the Site.

13. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving its original intent.

14. Contact Information

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

affordablehealthcareplans.net is operated by Prodest Insurance Group. Jeremy Irons (NPN: 20969524) is a licensed health insurance broker licensed in NC, SC, GA, FL, TX, VA, TN, AL, MS, AR, KY, IN, OH, PA, NJ, CO, and AZ. This site is not affiliated with HealthCare.gov, the federal Health Insurance Marketplace, or any government agency. We do not offer Medicaid, Medicare, or CHIP enrollment. Insurance products and availability vary by state. Not all products available in all areas. By calling or submitting a quote request, you consent to be contacted by a licensed insurance agent.