Terms of Use

All   information and materials on this site are provided as is and without warranty or guarantee of any kind. These materials (including all text, images, logos, compilation, and design, unless otherwise noted) are © 2007 – 2024 Illinois Health Agents, Inc. All rights reserved.

These materials may not be copied or redistributed for commercial purposes or for compensation of any kind without prior written permission from Illinois Insurance Agents, Inc. If you have questions about these terms please contact us.

License Information

Creative Commons License

ilhealthagents.com by Illinois Health Agents, Inc. is licensed under a Creative Commons Attribution-NonCommercial-NoDerivs 3.0 United States License.

Permissions beyond the scope of this license need to follow the Terms of Use Agreement without prior written permission from Illinois Health Agents, Inc.

The Terms describe the commitments we make to you if you are an Authorized User (either a current or prospective applicant for insurance, also referred to as a “Consumer,” or an Agent or Broker) of the Services and what you are allowed to do when engaging with the Services. You are not allowed to use the Services unless you agree to and/or consent to everything in these Terms. If you do not understand any item in these Terms, or you do not agree to any provision in these Terms, we are going to have to ask you to log off, disconnect, and otherwise refrain from using the Services.

PLEASE READ THESE TERMS CAREFULLY, AS THEY AFFECT YOUR LEGAL RIGHTS AND OBLIGATIONS. PLEASE NOTE THAT THESE TERMS REQUIRE THE USE OF ARBITRATION ON AN INDIVIDUAL BASIS TO RESOLVE DISPUTES, RATHER THAN JURY TRIALS OR CLASS ACTIONS, AND ALSO LIMIT THE REMEDIES AVAILABLE TO YOU IN THE EVENT OF A DISPUTE.

Who Can Use the Services

You have to be 18 years of age or older to use the Services and live within the United States. If you are using the Services on behalf of an entity, organization or company, you need to have the authority to bind that organization to these Terms (if you use the Services, you are representing to us that you do have that authority) and you agree to be bound by these Terms individually and on behalf of that organization. You cannot pretend to be somebody else, or another entity, or misrepresent your identity or affiliation with another person or entity.

Creation and Use of Your Account

All Authorized Users

In order to use certain features of the Services you may have to establish an account and obtain a login name and password. Your name and password are called “Account Credentials.” You authorize us to process any transactions initiated through the use of your Account Credentials and you accept full responsibility for all activities, whether financial or otherwise, that occur under your account. For that reason, you need to keep your Account Credentials confidential and secure. If you have any reason to think that your Account Credentials are not secure, you must tell us immediately at [email protected]. Illinois Health Agents will not be liable for the unauthorized use or misuse of your account or Account Credentials.

You are not permitted to enter any information about a minor anywhere on the Services unless you are that minor’s legal guardian and consent to the practices described in these Terms on behalf of that minor. We may ask you to verify that consent, and you are required to do so promptly.

Consumer Special Notice

If you file an application for health insurance using the Services, you are appointing Illinois Health Agents, Inc. as your agency in order to secure your coverage through the applicable internet channels and to help you manage your plan throughout the year.

You are responsible for making sure that the payment and social security information you provide us is accurate and complete and up to date. When you enter payment information on the Services, you represent that you have any rights necessary to pay with the credit card you use or save, and you consent to using your financial information to process transactions on your behalf. When we process transactions, we may charge your credit card directly, on a monthly basis, or we may arrange for you to pay an insurance carrier directly. You agree Illinois Health Agents is authorized to set up auto payment on your plan with the payment information you provide to help make sure your insurance stays effective. 

Either way, if you elect to buy insurance coverage using the Services, you agree that you can and will pay for it promptly. If you do not pay your premiums, you acknowledge and agree that your carrier may cancel your plan and Illinois Health Agents won’t have any liability to you, even if you incur substantial medical costs while uninsured.

We also may offer, or you may elect, to allow us to act as an intermediary between you and your insurance carrier in various ways – for example, as a back-up contact to alert you if your plan is about to be terminated, or to help you deal with your insurance claims. In such cases, you consent to our use of personal and non-personal information you’ve provided to us for the purpose of acting as your intermediary in any way that you’re aware of and/or have asked for. 

Agent/Broker Special Notice

All agents or brokers must have an executed agreement in place between CMS and the agency or brokerage that they work for, have completed all required CMS registration and training, and comply with all privacy and security standards specified in 45 C.F.R 155.260 as well as any applicable State or Federal privacy laws. We also require that you, as a condition of using the Services, comply with all standards of conduct required of an Agent or Broker under 45 C.F.R. 155.220.

Things You Can and Cannot Do On the Services

We grant all Authorized Users of the Services a personal, limited, non-exclusive, non-sublicensable, non-transferable, license to use the Services for the permitted purposes available through the Services. You may not use the Services for any other reason. Nobody is allowed to sublicense, sell, rent, lease, provide service bureau or timeshare services, transfer, transmit, distribute, or otherwise make the Services or any component thereof or any data contained therein available to third parties other than Authorized Users.

THESE TERMS LIMIT OUR LIABILITY; PLEASE READ THEM IN FULL.

WE OBTAIN DATA ABOUT SUBSIDY CALCULATIONS AND PLAN BENEFITS, RATES, AND FEATURES LIKE NETWORK AND FORMULARIES FROM A VARIETY OF THIRD PARTY SOURCES OVER WHICH WE HAVE LIMITED CONTROL. WHILE WE TAKE ALL REASONABLE MEASURES TO ENSURE THE ACCURACY OF THESE SOURCES AT ALL TIMES, ILLINOIS HEALTH AGENTS CANNOT GUARANTEE THAT OUR INFORMATION ABOUT PLAN OR SUBSIDY RATES AND/OR AVAILABILITY, PROVIDER NETWORKS, FORMULARY DESIGNS, OR OTHER COSTS, FEES, OR TAXES ARE 100% ACCURATE. BY USING OUR SERVICES YOU ASSUME THE RISK THAT ERRORS MAY OCCUR AND WE ARE NOT LIABLE TO YOU FOR SUCH ERRORS.