Terms of Service

1. Acceptance of Terms#

By accessing or using the Stellar Health Insurance website, you agree to these Terms of Service and to our Privacy Policy. If you do not agree, please do not use this website.

Additional terms may apply when you apply for, purchase, enroll in, or receive an insurance product or service. These may include:

• insurance applications;
• carrier agreements;
• policy documents;
• certificates of coverage;
• benefit summaries;
• enrollment documents;
• marketplace rules; and
• carrier-specific terms.

If general website content conflicts with official insurance policy documents, the official policy, contract, or carrier documentation controls.

2. About Stellar Health Insurance#

Stellar Health Insurance provides insurance-related information and assistance as an independent insurance agency/broker. Stellar Health Insurance may assist consumers in evaluating insurance options and communicating with insurance carriers. Stellar Health Insurance does not itself insure risks or pay insurance claims unless expressly identified otherwise.

Stellar Health Insurance does not represent every insurance company and does not offer every insurance plan available in Texas.

3. No Guarantee of Coverage#

4. Quotes and Estimates#

Any insurance quote, premium estimate, subsidy estimate, pricing information, deductible, copayment, benefit, or coverage information displayed or communicated through this website is preliminary unless expressly stated otherwise. Quotes may change because of factors such as:

• age;
• location;
• household composition;
• income;
• coverage effective date;
• eligibility;
• carrier underwriting, where legally permitted;
• plan availability;
• government subsidy or tax-credit eligibility;
• information supplied by the applicant; and
• changes made by insurance carriers or government programs.

The final premium and coverage terms are those issued or confirmed by the applicable carrier or authorized marketplace.

5. Insurance Information Is Not a Policy#

Descriptions on this website are summaries for informational purposes. They do not modify, expand, replace, or become part of an insurance contract. If information on this website differs from an official insurance policy or plan document, the official policy or plan document governs.

Before enrolling, we encourage you to review:

• exclusions;
• limitations;
• deductibles;
• copays;
• coinsurance;
• provider networks;
• prescription formularies;
• coverage conditions; and
• renewal provisions.

6. Not Medical, Legal, Tax, or Financial Advice#

Information on this website is provided for general insurance-related informational purposes. It should not be considered medical advice, diagnosis or treatment advice, legal advice, tax advice, investment advice, or financial planning advice. Please consult appropriate licensed professionals where necessary.

7. Accuracy of Information Provided by Users#

You are responsible for providing accurate, current, and complete information when requesting quotes or applying for insurance. Inaccurate or incomplete information may:

• affect quotes;
• delay applications;
• affect eligibility;
• affect enrollment; or
• cause carrier decisions to change.

8. Insurance Carrier Relationships#

Stellar Health Insurance may work with one or more third-party insurance carriers and service providers. Insurance products available through Stellar Health Insurance may be offered by third-party insurance carriers. Product availability varies based on location, eligibility, carrier relationships, and other factors.

To the extent applicable to a particular product, insurance carriers are responsible for:

• policy issuance;
• policy terms;
• claims administration;
• coverage determinations;
• provider networks;
• prescription formularies; and
• carrier-specific customer service.

9. Health Insurance Marketplace#

Stellar Health Insurance is not HealthCare.gov and is not affiliated with or operated by the Health Insurance Marketplace. Nothing on this website should be interpreted as suggesting otherwise.

[MARKETPLACE DISCLAIMER, IF REQUIRED: insert exact CMS-required wording here]

10. Subsidies and Premium Tax Credits#

Any estimates relating to Affordable Care Act subsidies, premium tax credits, or cost-sharing reductions are not guarantees. Final eligibility may be determined by the Health Insurance Marketplace or other applicable government authority. Changes in household income, household composition, residence, or other circumstances may affect eligibility. This information is not tax advice.

11. Provider Networks#

Provider directories can change. Before obtaining services, please confirm directly with both the insurance carrier and the healthcare provider that a physician, hospital, pharmacy, or other provider participates in your plan. We do not guarantee that any provider will remain in-network.

12. Prescription Drug Coverage#

Formularies and drug tiers may change, and prescription coverage varies by plan. Please review the carrier's current formulary and plan documents.

13. Website Use#

We grant you a limited, personal, non-exclusive, non-transferable right to access and use this website for lawful personal purposes. You may not:

• misuse the website;
• attempt unauthorized access;
• interfere with website operation;
• introduce malware or malicious code;
• scrape or systematically extract website information without authorization;
• impersonate another person;
• submit fraudulent information;
• use the website for illegal activities;
• attempt to bypass website security; or
• misuse contact forms or communication tools.

14. User Communications#

When you submit a contact form, quote request, or other inquiry, you authorize Stellar Health Insurance to respond using the contact information you provide. Submitting a form does not, by itself, constitute consent to receive marketing calls or automated text messages. If we use any such messaging, we will request any required consent separately and clearly.

15. Electronic Communications#

You may communicate with us electronically, and we may respond electronically. These Terms do not, by themselves, constitute consent to electronic delivery of legally required insurance documents.

16. Privacy#

Our collection and use of personal information is governed by the Stellar Health Insurance Privacy Policy. These Terms do not replace any separate privacy notices that may be required by insurance, financial privacy, or health privacy laws.

17. Third-Party Websites and Services#

This website may link to:

• insurance carrier websites;
• HealthCare.gov;
• healthcare provider websites;
• enrollment platforms;
• government websites; and
• other third-party services.

We do not control third-party websites; their own terms and privacy policies apply. A link is not an endorsement unless explicitly stated.

18. Intellectual Property#

Website content, including, where applicable, text, graphics, branding, logos, layout, design, photographs, software, and original educational content, may be protected by intellectual property laws. Third-party insurance carrier logos, materials, and trademarks remain the property of their respective owners. You may not reproduce or commercially exploit Stellar Health Insurance's proprietary website content without permission, except where permitted by law.

19. Website Availability#

We may modify, suspend, or discontinue website features. We do not guarantee uninterrupted or error-free operation. Maintenance, outages, third-party service failures, cybersecurity events, or other factors may affect availability.

20. Disclaimer of Warranties#

To the fullest extent permitted by applicable law, this website and its general informational content are provided on an "as is" and "as available" basis, without warranties of any kind, whether express or implied. Nothing in this section disclaims any warranty that cannot legally be disclaimed or waives any obligation imposed by insurance law.

21. Limitation of Liability#

To the maximum extent permitted by applicable law, Stellar Health Insurance is not liable for indirect, incidental, special, or consequential damages arising from:

• the operation, interruption, or unavailability of this website;
• reliance on general informational content on this website;
• the content, products, or practices of third-party websites;
• decisions made by insurance carriers, including underwriting, coverage, and claims decisions; or
• failures or events outside our reasonable control.

This limitation does not exclude liability that cannot legally be excluded and does not override consumer rights or insurance obligations established by law.

22. Indemnification#

To the extent permitted by law, you agree to indemnify Stellar Health Insurance against claims, losses, and reasonable expenses arising directly from your misuse of this website, your violation of these Terms, your unlawful activity, or your infringement of third-party rights.

23. Governing Law#

These Terms are governed by the laws of the State of Texas and applicable federal law, without regard to conflict-of-laws principles, except where applicable law requires otherwise.

24. Disputes#

Any disputes will be handled in accordance with applicable law.

25. Texas Insurance Regulation#

Insurance activity may be regulated by the Texas Department of Insurance and other applicable authorities. Such regulation does not mean that the Texas Department of Insurance or any government agency endorses Stellar Health Insurance.

[REGULATORY / CONSUMER COMPLAINT DISCLOSURES, IF REQUIRED]

26. Changes to These Terms#

We may update these Terms periodically. The "Last Updated" date at the top of this page shows when they were last revised. Material changes may receive additional notice where required by law. Nothing in these Terms waives rights that applicable law provides.

27. Severability#

If any provision of these Terms is found invalid or unenforceable, the remaining provisions remain effective to the extent permitted by law.

28. Entire Agreement#

These Terms govern use of this website but do not replace:

• insurance contracts;
• carrier agreements;
• insurance applications;
• enrollment agreements;
• privacy notices; or
• other contracts entered into separately with you.

29. Questions About These Terms#