Legal Disclaimer

Last Updated: July 22, 2026

Insurance Legal Disclaimer

hanselosorio.com is operated by Osorio Solutions Inc., through Hansel Osorio, an independent insurance agent.

1. Independent Website

This website:

• Is not HealthCare.gov.

• Is not a state-based Marketplace.

• Does not belong to a government agency.

• Is not sponsored, administered, or endorsed by the federal government or any state government.

2. General Information

The content of this website is provided for general informational and educational purposes only.

It does not constitute:

• A final insurance offer.

• An eligibility determination.

• Approval for financial assistance.

• Enrollment confirmation.

• A guarantee of price, coverage, or benefits.

• Medical, legal, accounting, or tax advice.

Final decisions are made by the insurance company, Marketplace, or other applicable authority.

3. Availability of Insurance Companies and Plans

The availability of insurance companies, plans, premiums, provider networks, benefits, and financial assistance varies based on:

• State.

• County.

• ZIP code.

• Enrollment period.

• Eligibility.

• Individual circumstances.

The inclusion of an insurance company or logo on this website does not guarantee that:

• Its plans are available in every area.

• It is available to every consumer.

• It is suitable for every individual.

• An exclusive relationship exists with that company.

All company names, trademarks, and logos belong to their respective owners.

4. References to $0 Monthly Premiums

References to premiums starting at $0 per month apply only to individuals who qualify for the applicable financial assistance.

The following costs may still apply:

• Deductibles.

• Copayments.

• Coinsurance.

• Exclusions.

• Coverage limits.

• Out-of-network costs.

• Other out-of-pocket expenses.

5. Coverage Activation

Submitting an inquiry, receiving a quote, or selecting a plan does not automatically activate coverage.

Coverage only becomes effective after:

• Official confirmation from the insurance company or Marketplace.

• Approval of the application.

• Completion of any required verification.

• Payment of the initial premium, when applicable.

• Satisfaction of all applicable conditions.

6. Consumer Consent

Authorization to receive a phone call, email, text message, or WhatsApp communication does not replace any separate consent that may be required before accessing, completing, reviewing, or modifying a Marketplace application.

7. States Served

Services are offered only in states where Hansel Osorio maintains the applicable licenses, authorizations, and carrier appointments.

Product availability is reviewed individually based on each consumer’s location and circumstances.

8. Information Accuracy

We make reasonable efforts to keep the information on this website accurate and current.

However, insurance companies, prices, benefits, provider networks, rules, and enrollment periods may change without notice.

Official documents issued by the insurance company or Marketplace control over any general information displayed on this website.

9. Contact Information

Osorio Solutions Inc.
Hansel Osorio
Website: hanselosorio.com
Email: hansel.insurance@gmail.com
Miami, Florida, United States