Terms and Conditions

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Effective Date: April 29, 2026

Provider: Healthcare Solutions Team – Brandon

Service Area: Riverview, Brandon, and the Greater Tampa Bay Region

Governing Law: State of Florida


1. Nature of Services


Healthcare Solutions Team – Brandon is an independent insurance agency. We act as a liaison between you and third-party insurance carriers (e.g., Anthem, BCBS, UnitedHealthcare, Aetna, Cigna).


  • Brokerage Role: We provide information, comparisons, and enrollment assistance. We do not underwrite insurance policies, adjudicate claims, or determine eligibility for coverage; these actions are the sole responsibility of the respective insurance carriers.
  • No Guarantee of Coverage: Submission of an application through our agency does not guarantee approval or the issuance of a policy. Coverage is only effective once the carrier approves the application and the initial premium is paid.


2. Accuracy of Information


Insurance quotes and plan details provided via https://www.healthcaresolutionsteam-brandon.com/ or during consultations are based on the data you provide.


  • Client Responsibility: You are responsible for the accuracy of all information provided (income, household size, tobacco use, etc.). Inaccurate information may result in premium adjustments, denial of claims, or rescission of the policy by the carrier.
  • Quote Validity: Premiums and plan availability are subject to change by the carriers and federal/state regulators until a policy is formally issued.


3. SMS & Mobile Messaging Consent


By contacting us at (860) 770-7431 or submitting a digital inquiry, you expressly consent to receive SMS messages for:


  • Enrollment Updates: Reminders for Open Enrollment deadlines and application status updates.
  • Appointment Coordination: Confirmations and reminders for consultations with our agents.
  • Account Notifications: Important alerts regarding policy renewals or requested documentation.
  • Opt-Out: Reply STOP to cancel. Standard message and data rates apply.


4. Professional Advice Disclaimer


Information provided by our agents or on our website is for educational purposes and intended to help you make an informed decision. While we offer guidance, we do not provide legal, tax, or medical advice. For specific tax implications regarding ACA subsidies or business group plans, please consult with a qualified tax professional.


5. Limitation of Liability


To the extent permitted by Florida law, Healthcare Solutions Team – Brandon is not liable for any losses resulting from a carrier’s insolvency, a carrier’s decision to deny a claim, or changes in federal/state healthcare laws that impact your chosen plan.