Terms of Service
Please read these terms carefully. By using WiseHealthPlans.com, you agree to be bound by these terms and conditions.
Last updated: March 9, 2026
1. Acceptance of Terms
By accessing, browsing, or using WiseHealthPlans.com (the "Website") and our services, you agree to comply with and be legally bound by these Terms of Service, including all policies and guidelines referenced herein. If you do not agree to these terms, please do not use our Website or services. We reserve the right to modify these terms at any time, and your continued use of the Website constitutes acceptance of any changes.
2. Description of Services
WiseHealthPlans.com, operated by Atlantic Breeze Insurance, is an independent health insurance agency. We are not an insurance company. We provide the following services:
- Comparison of health insurance plans from multiple licensed carriers
- Information and education about different health insurance options
- Assistance with enrollment in health insurance plans
- Customer support and guidance from licensed insurance advisors
Our role is to help you find and understand health insurance options. The actual insurance products are underwritten and managed by licensed insurance carriers, not by WiseHealthPlans.
3. Independent Agency Disclaimer
WiseHealthPlans.com is an independent insurance agency. We are not the insurance company. We do not underwrite, issue, or manage insurance policies. Insurance products and rates are provided by licensed carriers. Plans, rates, availability, and coverage terms are determined solely by the insurance carriers and are subject to their underwriting guidelines, policy terms, and conditions.
4. Not Professional Financial or Medical Advice
The information provided on our Website, in our communications, and during consultations is general educational information about health insurance options. This information is not professional financial, medical, tax, or legal advice. We do not diagnose medical conditions, recommend specific medical treatments, or provide personalized financial planning. All coverage decisions and enrollment choices are your responsibility. We strongly encourage you to:
- Carefully review plan documents, including coverage details, exclusions, and limitations
- Consult with healthcare providers, accountants, or attorneys regarding your specific situation
- Verify all plan information with the insurance carrier directly
Your decision to enroll in any plan is made at your own discretion and risk.
5. User Obligations
When using our Website and services, you agree to:
- Provide Accurate Information: Supply truthful, accurate, and complete information in all forms, applications, and communications. Misrepresentation or omission of material facts may result in policy denial or cancellation by the insurance carrier.
- Lawful Use: Use our Website only for lawful purposes and in ways that do not infringe upon the rights of others or restrict their use and enjoyment. Prohibited behavior includes:
- Harassing, threatening, or abusing others
- Transmitting malware, viruses, or harmful code
- Attempting to gain unauthorized access to our systems
- Scraping, data mining, or automated collection of information
- Any other conduct that damages or negatively affects the operation of our Website
6. Intellectual Property Rights
All content on WiseHealthPlans.com, including text, graphics, images, logos, layout, and design, is the exclusive property of WiseHealthPlans.com or our licensors and is protected by copyright, trademark, and other intellectual property laws. You may view and print content for your personal, non-commercial use only. You may not reproduce, modify, distribute, transmit, display, or otherwise use any content without our express written permission.
7. Third-Party Links and Content
Our Website contains links to third-party websites, including insurance carrier websites, HealthSherpa, and other external resources. We do not control, endorse, or assume responsibility for the content, accuracy, or practices of these third-party sites. Your access to and use of third-party sites is governed by their own terms and privacy policies.
HealthSherpa: When you access HealthSherpa through our links or recommendations, you are engaging with a separate, independent platform. WiseHealthPlans is not responsible for HealthSherpa's services, quotes, platform functionality, data handling, or any issues that arise from your use of their service.
Insurance Carrier Websites: Insurance carriers maintain their own websites with detailed plan information, policy documents, and enrollment processes. WiseHealthPlans does not control these sites and is not liable for any information or services provided by carriers.
8. Limitation of Liability
To the fullest extent permitted by law, WiseHealthPlans.com, Atlantic Breeze Insurance, and their officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our Website or services, including but not limited to:
- Loss of data, earnings, or business opportunity
- Website downtime or service interruptions
- Errors in plan information or quotes
- Denial of coverage or claims by insurance carriers
- Medical, financial, or other losses
This limitation applies even if we have been advised of the possibility of such damages.
9. Disclaimer of Warranties
Our Website and services are provided on an "as-is" and "as-available" basis without warranties of any kind. We do not warrant that:
- Our Website will be uninterrupted, error-free, or secure
- Information on our Website is accurate, complete, or up-to-date
- Any quotes or plan information is guaranteed or permanent
- Any services will meet your specific needs or expectations
We exclude all other warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.
10. Indemnification
You agree to indemnify, defend, and hold harmless WiseHealthPlans.com, Atlantic Breeze Insurance, and their officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including attorney's fees) arising from:
- Your use of our Website or services
- Your violation of these Terms of Service
- Your violation of any applicable law or third-party rights
- Any dispute between you and an insurance carrier regarding coverage or claims
11. Governing Law and Jurisdiction
These Terms of Service are governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law principles. You agree that any legal action or proceeding arising from or relating to these terms shall be brought exclusively in the state or federal courts located in Florida, and you hereby submit to the personal jurisdiction of such courts.
12. Modification and Discontinuation of Services
We reserve the right, at our sole discretion, to modify, suspend, or discontinue any part of our Website or services at any time, with or without notice. We may also impose limitations on certain features or restrict access to portions of our Website. We shall not be liable for any modification, suspension, or discontinuation of our services.
13. Severability
If any provision of these Terms of Service is found to be unenforceable or invalid, that provision shall be severed, and the remaining provisions shall continue in full force and effect to the maximum extent permitted by law.
14. Entire Agreement
These Terms of Service, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and WiseHealthPlans.com regarding your use of our Website and services, and supersede all prior agreements, understandings, and communications, whether written or oral.
15. Disclaimers
We Are Not the Insurance Company
WiseHealthPlans.com is an independent insurance agency, not an insurance company. We do not issue, underwrite, or manage insurance policies. All insurance products are provided by licensed carriers. Any coverage, benefits, exclusions, limitations, rates, and renewability terms are determined solely by the insurance carrier, not by WiseHealthPlans.
Plan Availability and Rates
Health insurance plans, rates, and eligibility vary by state, age, health status, and other factors determined by insurance carriers. A quote provided to you is an estimate only and is not a guarantee of coverage or rate. Final rates and availability are determined by the insurance carrier upon application and approval. Plans and rates are subject to change at any time without notice.
Changes May Apply
Information on our Website, including plan details, pricing, and carrier information, is subject to change without notice. We do not guarantee that all information is current or accurate at any given time. Always verify directly with the insurance carrier before enrollment.
Enrollment
Your enrollment in a health insurance plan is a transaction between you and the insurance carrier, not between you and WiseHealthPlans. The carrier is responsible for processing, issuing, and managing your coverage. WiseHealthPlans is not responsible for application processing, coverage determination, claims, or any disputes with the carrier.
16. Contact Information
If you have questions, concerns, or disputes regarding these Terms of Service, please contact us:
- Email: ag@atlanticbreezeins.com
- Phone: (844) 585-3339