Terms of Service

Last Updated: August 25, 2025

Welcome to All Care Insurance Group (“Company,” “we,” “us,” or “our”). These Terms of Service (“Terms”) govern your use of our website and services. By accessing our website and submitting your information, you agree to be bound by these Terms.

1. Our Service & Role All Care Insurance Group is a licensed insurance agency operated by Yohn Gutierrez (NPN #8780237). Our service is designed to provide information and assistance regarding health insurance options, including Affordable Care Act (ACA) marketplace plans, short-term plans, and supplementary products.

In addition to providing direct assistance, we may also operate as a marketing service to connect consumers with our network of trusted, licensed insurance brokers and carriers ("Trusted Partners") who can provide quotes and enrollment assistance.

2. Consent for Contact and Lead Distribution By submitting your personal information on this website and affirmatively checking the consent box, you provide your express written consent and direct request for All Care Insurance Group and/or its network of Trusted Partners to contact you for marketing purposes at the phone number and email address you provided.

You understand and agree that this contact may concern ACA plans, short-term plans, medical indemnity plans, or health sharing ministries, and may be initiated via:

Telephone Calls and Text Messages: Including communications made using an automatic telephone dialing system or a pre-recorded/artificial voice.

Email: At the email address you provided.

You understand this consent applies even if your telephone number is on any state, federal, or corporate "Do Not Call" list, and that your consent is not a condition of purchase. Message and data rates may apply.

3. Disclaimers & Disclosures All Care Insurance Group complies with all applicable federal laws, including 45 CFR 155.220(c) and (d) and 45 CFR 155.260, to protect the privacy and security of personally identifiable information.

This website is not affiliated with or endorsed by any federal or state marketplace, nor by the Medicare or Medicaid programs. This service is available only to individuals over the age of 18.

4. No Guarantee of Coverage or Savings Submission of your information does not guarantee coverage, approval, or eligibility for any insurance plan. Premiums and potential savings are dependent on factors such as income, age, household size, and location. All applications are subject to review and approval by the relevant insurance carriers.

5. Limitation of Liability The information on this website is for informational purposes and does not constitute legal, tax, or financial advice. We are not liable for any loss or damages arising from your use of this site, your reliance on its information, or your interactions with our Trusted Partners. All insurance products are subject to the terms and conditions set by the third-party carriers.

6. Privacy Policy Our use of your information, including how it is shared with our Trusted Partners, is governed by our Privacy Policy. By using this site, you acknowledge you have read and agree to our Privacy Policy and these Terms of Service.