C
Last updated: June 2026
By accessing or using the Insurance Answers USA website at insuranceanswerssusa.com ("Site"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our Site. These terms apply to all visitors, users, and others who access or use the Site.
Insurance Answers USA is an independent licensed insurance agency. Philip Smith (NPN #22255420 · FL Lic. #G349232) is the licensed insurance agent operating this site. We are licensed to sell insurance products in Florida and may be licensed in additional states. We are not affiliated with any government agency, insurance carrier, or the federal or state marketplace.
The content on this Site — including articles, tools, calculators, and guides — is provided for general educational and informational purposes only. It does not constitute insurance advice tailored to your individual situation.
No information on this Site creates an insurance policy, constitutes a binding quote, or guarantees coverage or premium amounts. Actual plan details, pricing, and availability depend on your specific circumstances and are determined by the insurance carrier. Always review official plan documents before enrolling.
Tools such as the Coverage Navigator, Subsidy Estimator, and PPO vs. HMO Comparison are designed to help you understand your options — not to provide definitive answers. Results are estimates based on the information you provide and publicly available guidelines.
By using these tools and submitting your information, you consent to being contacted by a licensed insurance agent at Insurance Answers USA to discuss your results and options. This consent is not required to purchase insurance.
By submitting your phone number through any form on this Site, you expressly consent to receive calls, emails, and SMS text messages from Insurance Answers USA (Philip Smith, NPN #22255420 · FL Lic. #G349232) at the number and email address you provided, including via automated dialing technology.
Consent is not a condition of purchasing any insurance product. You may opt out of SMS at any time by replying STOP. You may opt out of email by clicking the unsubscribe link in any email.
Message frequency varies. Standard message and data rates may apply. For SMS support, reply HELP or contact hello@insuranceanswerssusa.com.
We strive to keep information on this Site current and accurate, but we make no warranty that any information is complete, accurate, or up-to-date. Insurance laws, plan details, and subsidy amounts change frequently. Always verify current information with a licensed agent or official sources such as healthcare.gov or medicare.gov.
Our Site may contain links to third-party websites such as insurance carriers, government portals, and scheduling tools. We are not responsible for the content, privacy practices, or accuracy of any third-party site. Links do not constitute an endorsement of those sites.
All content on this Site — including text, graphics, logos, tool designs, and educational content — is owned by Insurance Answers USA or its licensors and is protected by copyright law. You may not reproduce, distribute, or use our content without prior written permission, except for personal, non-commercial use.
This Site and its content are provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses.
To the fullest extent permitted by law, Insurance Answers USA and its agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages — including loss of data, revenue, or profits — arising from your use of or inability to use this Site, even if advised of the possibility of such damages. Our total liability for any claim shall not exceed $100.
You agree to indemnify and hold harmless Insurance Answers USA and Philip Smith from any claims, losses, damages, or expenses (including attorneys' fees) arising from your use of this Site, violation of these Terms, or infringement of any third-party rights.
These Terms are governed by the laws of the State of Florida, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved in the courts of Hillsborough County, Florida.
We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated date. Your continued use of the Site after any changes constitutes your acceptance of the new Terms.
Questions about these Terms? Contact us at:
Insurance Answers USA
Philip Smith · Licensed Insurance Agent · NPN #22255420 · FL Lic. #G349232
Email: hello@insuranceanswerssusa.com
Website: insuranceanswerssusa.com