Last Updated: October 13, 2026

1. Acceptance of Terms

Welcome to CFM Health LLC (“CFM,” “CFM Health,” “we,” “us,” or “our”).

By accessing our website, submitting information, requesting an insurance quote, or utilizing our services, you acknowledge that you have read and understood these Terms and Conditions and agree to be bound by them where applicable.

If you do not agree with these Terms, please discontinue use of our website and services.

2. Services Provided

CFM Health LLC is an independent health insurance agency providing insurance-related services, which may include:

• Affordable Care Act (ACA) Marketplace health insurance assistance.
• Health insurance quotes, comparisons, and plan selection assistance.
• New enrollment and annual renewal assistance.
• Policy servicing and coverage updates.
• Assistance with eligibility and subsidy information.
• Customer support and insurance-related communications.
• Other insurance products and services offered through appropriately licensed and authorized representatives.

CFM Health LLC is not an insurance carrier and does not independently determine insurance eligibility, approve coverage, establish premiums, or guarantee government subsidies.

All coverage is subject to the applicable insurance carrier’s terms, eligibility requirements, and regulatory guidelines.

3. Consumer Authorization and Enrollment Consent

CFM Health LLC will obtain and document the consumer’s authorization as required by applicable law before accessing Marketplace applications, assisting with enrollments, making policy changes, or performing other activities requiring consent.

Consumer authorization may be documented through approved electronic signatures, written authorization, recorded verbal consent, or other legally permitted methods.

Such authorization must identify its scope, purpose, duration, and revocation process.

Consumers may revoke authorization by contacting CFM Health LLC. Revocation will apply prospectively, subject to applicable law and any previously authorized transactions.

Agreement to these website Terms and Conditions alone does not constitute authorization to enroll a consumer, modify an insurance application, or act as the consumer’s agent of record.

4. Telephone, Email, and SMS Communications

CFM Health LLC may communicate with consumers through telephone calls, email, SMS text messages, and other authorized communication channels for purposes including:

• Insurance inquiries and requested quotes.
• Enrollment and renewal assistance.
• Appointment scheduling and reminders.
• Application verification and documentation requests.
• Policy updates and coverage-related notifications.
• Customer service and follow-up communications.
• Promotional offers and marketing communications, where separately authorized.

Certain communications may use automated technology, prerecorded messages, or artificial intelligence-assisted systems, subject to applicable law and any required consent.

Providing a telephone number or using our website does not, by itself, constitute consent to receive automated marketing calls or texts.

Where required, CFM Health LLC will obtain separate, express consent before sending marketing communications using regulated automated technologies.

Consent to receive marketing calls or text messages is not a condition of purchasing insurance or receiving our services.

5. TCPA and Communications Compliance

CFM Health LLC intends to comply with applicable provisions of the Telephone Consumer Protection Act (TCPA), Federal Communications Commission (FCC) regulations, and other federal and state consumer communication laws.

Where applicable, CFM Health LLC will:

• Obtain and maintain required communication consent records.
• Identify itself in outbound communications.
• Honor applicable calling restrictions and do-not-call requirements.
• Provide consumers with appropriate opt-out methods.
• Maintain records of consent and communication preferences.
• Restrict automated marketing communications to consumers for whom appropriate authorization exists.

Consumers may contact CFM Health LLC to update their communication preferences.

6. SMS Messaging Terms

Consumers who separately opt in to receive SMS messages from CFM Health LLC may receive enrollment reminders, renewal notifications, appointment confirmations, policy updates, customer service communications, and, where separately authorized, promotional messages.

Message frequency varies based on consumer activity and the applicable messaging program.

Message and data rates may apply.

Reply STOP to opt out of text messages and HELP for assistance.

Participation in SMS messaging is voluntary and is not required to obtain insurance services.

For additional information, please review our SMS Terms and Conditions and Privacy Policy.

7. Consumer Responsibilities

Consumers agree to provide accurate, complete, and current information when requesting insurance services.

This includes, where applicable:

• Legal name and contact information.
• Household composition.
• Residential address.
• Estimated household income.
• Eligibility and enrollment information.
• Other information reasonably necessary for insurance applications.

Consumers are responsible for reviewing and confirming the accuracy of their applications before submission and notifying the appropriate parties when material circumstances change.

Inaccurate information may affect eligibility, premium tax credits, coverage, or other benefits.

8. Insurance Eligibility and Coverage Disclaimer

CFM Health LLC assists consumers with available insurance options but does not guarantee:

• Approval of insurance coverage.
• Eligibility for Marketplace financial assistance.
• A specific monthly premium.
• Continued availability of a particular plan.
• Inclusion of specific physicians, hospitals, or medications.
• Approval or payment of medical claims.

Insurance availability, benefits, provider networks, formularies, premiums, and eligibility requirements may change.

Consumers should review official carrier documents and verify relevant coverage information before selecting a plan.

9. Privacy and Data Protection

CFM Health LLC collects and processes consumer information for legitimate insurance-related business purposes, subject to applicable privacy and security laws.

Information may be shared with authorized insurance carriers, Marketplace entities, enrollment technology providers, contracted service providers, and regulatory authorities when necessary and legally permitted.

CFM Health LLC implements administrative, technical, and organizational safeguards appropriate to the information it maintains.

Additional details regarding information collection, use, retention, and consumer rights are provided in our Privacy Policy.

10. Confidentiality

CFM Health LLC treats consumer information as confidential and limits access to authorized personnel and service providers with a legitimate business need.

Information may be disclosed when authorized by the consumer, necessary to provide requested services, or otherwise permitted or required by law.

11. Call Recording and Quality Assurance

Telephone conversations with CFM Health LLC may be recorded or monitored for quality assurance, training, verification, regulatory compliance, consumer protection, and documentation of authorization.

Where required by applicable law, appropriate notice and consent will be obtained before recording.

Recorded conversations may be retained in accordance with applicable legal, regulatory, and operational requirements.

12. Third-Party Services

CFM Health LLC may utilize third-party platforms and service providers for enrollment processing, customer relationship management, appointment scheduling, telecommunications, document management, and other business operations.

Third-party services may be governed by their own terms and privacy practices.

CFM Health LLC is not responsible for independent third-party websites or services beyond the extent required by applicable law.

13. Compensation and Fees

CFM Health LLC may receive compensation or commissions from insurance carriers or other authorized entities in connection with insurance enrollments or services.

Such compensation may vary by carrier, product, or applicable agreement.

Any fees charged directly to consumers, if permitted, will be disclosed in advance.

14. Intellectual Property

Website content, including text, branding, graphics, logos, and other materials owned by CFM Health LLC, is protected by applicable intellectual property laws.

Unauthorized reproduction, distribution, or commercial use is prohibited without written permission.

15. Website Availability and Accuracy

CFM Health LLC makes reasonable efforts to maintain accurate and current website information.

However, website content is provided for general informational purposes and may not reflect every current carrier offering, benefit, eligibility rule, or regulatory change.

We do not guarantee uninterrupted access to the website or the absence of technical errors.

16. Limitation of Liability

To the extent permitted by applicable law, CFM Health LLC shall not be liable for indirect, incidental, special, or consequential damages arising from website use or circumstances outside its reasonable control.

Nothing in these Terms excludes or limits liability that cannot legally be excluded, including liability arising from violations of applicable consumer protection, insurance, or privacy laws.

17. Termination of Services

Consumers may discontinue using CFM Health LLC’s services or request termination of the agency relationship, subject to applicable insurance and Marketplace procedures.

Termination of the agency relationship does not automatically cancel an insurance policy.

Consumers seeking to cancel insurance coverage should follow the applicable Marketplace or carrier procedures.

18. Governing Law

These Terms and Conditions shall be governed by the laws of the State of Florida, without regard to conflict-of-law principles, except where applicable federal law or another state’s mandatory consumer protection laws control.

Any disputes shall be handled in accordance with applicable law and the jurisdiction of a court having proper authority.

19. Changes to Terms and Conditions

CFM Health LLC reserves the right to modify these Terms and Conditions to reflect operational, legal, or regulatory changes.

Updates will be posted on our website with a revised effective date.

Material changes will be communicated where required by law.

Changes will not retroactively create consent for communications or insurance transactions that require separate authorization.

20. Contact Information

CFM Health LLC

Website: https://cfm-health.org

Email: [Insert Customer Service Email]

Telephone: [Insert Business Telephone Number]

Mailing Address: [Insert Business Mailing Address]

For questions regarding these Terms, consumer authorization, communication preferences, or privacy practices, please contact CFM Health LLC.

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Important Notice: CFM Health LLC is an independent insurance agency and is not the federal Health Insurance Marketplace, Healthcare.gov, or a government agency. Insurance enrollment and coverage are subject to applicable eligibility requirements and carrier terms.