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CompareACA.com is an independent marketing platform that connects consumers with licensed insurance agents and agencies who can assist with Affordable Care Act (ACA) plans and other health insurance options. We are not an insurance carrier, broker, federal or state insurance marketplace, or exchange. We do not directly offer insurance plans or provide enrollment services. If you choose to provide your information on this site, we will share your details with licensed and appointed insurance agents and agencies who can discuss available ACA health plans, short-term health insurance, medical indemnity, or healthcare sharing ministry plans. We do not charge consumers for this service, but we may receive compensation from our insurance partners for connecting consumers with licensed professionals.

Plan Availability & Coverage Disclaimer:
We do not offer every plan available in your area. The number of health insurance plans and carriers available may vary based on location, income, household size, and other eligibility factors. To explore all available options in your area, please visit www.HealthCare.gov or your state’s health insurance marketplace.

Enrollment in a Qualified Health Plan (QHP) is subject to eligibility and open enrollment periods unless you qualify for a Special Enrollment Period (SEP) due to a qualifying life event such as loss of employer coverage, changes in household size, or moving to a new coverage area. Subsidy eligibility and cost-sharing reductions are based on federal guidelines, and qualification is determined through the Health Insurance Marketplace or your state-based exchange. We do not determine subsidy eligibility or provide enrollment services.

Alternative Insurance, Services & AI Follow-Up Disclosure:
If you do not qualify for an Affordable Care Act (ACA) plan based on the information you provide, we may share your information with other marketing partners, service providers, and businesses that offer alternative solutions. These may include short-term medical plans, indemnity plans, supplemental health insurance products, financial services, debt relief, wellness programs, and other products or services that may be relevant to your needs. Additionally, we may use AI-powered virtual agents to follow up with you via phone, SMS, or email to verify your information, help determine your eligibility for services, or connect you with licensed professionals who may assist you further. This website does not guarantee enrollment, eligibility, or plan availability. Insurance options vary based on state, income, household size, and other factors.

Consent & Communication Disclosure:
By submitting your information, you agree to receive phone calls, text messages, including automated and pre-recorded calls, AI-assisted communications, and emails from licensed insurance agents, agencies, and marketing partners regarding health insurance options and other relevant services. This consent is not required to purchase a policy, and you may opt out at any time by replying “STOP” to a text message or using the unsubscribe link in an email. Message and data rates may apply.

Privacy & Data Use:
[CompareACA.com] values your privacy and complies with applicable federal and state privacy laws, including 45 CFR 155.220(c) and (d), which establish privacy and security standards for consumer information, and 45 CFR 155.260, which governs data privacy and protection. We use cookies and tracking technologies to enhance user experience, analyze site traffic, and connect users with relevant providers. For more details, please read our Privacy Policy.

Marketing & Data Sharing Compliance:
In compliance with CMS guidelines, any personal beneficiary data collected through this website is only shared with licensed insurance agents and agencies for the purpose of discussing health insurance options. We do not sell consumer data for non-insurance purposes. Additionally, any consumer consent required for marketing or enrollment purposes will be obtained through a clear and conspicuous disclosure that lists the entities receiving the data and allows the consumer to opt in or opt out of such sharing. We follow all CMS regulations regarding consumer consent, marketing practices, and data protection for ACA plan enrollment.

Government & Carrier Disclaimer:
CompareACA.com is not affiliated with or endorsed by any government agency, insurance carrier, or federal or state health marketplace. Trademarks and service marks remain the property of their respective owners.