Terms and Conditions

Last Updated: July 22, 2026

Terms and Conditions of Use

These Terms and Conditions govern access to and use of hanselosorio.com, operated by Osorio Solutions Inc., through Hansel Osorio.

By using this website, you agree to these Terms and Conditions. If you do not agree, you should stop using the website.

1. Purpose of the Website

This website provides general information about:

• ACA or Obamacare health insurance.

• Dental insurance.

• Vision insurance.

• Hearing insurance.

• Supplemental insurance products.

• Insurance guidance and support services.

The website also allows visitors to request a consultation or contact with an insurance agent.

Information published on this website does not, by itself, constitute a final insurance offer, insurance contract, eligibility determination, approval, enrollment, or confirmation that coverage is active.

2. Insurance Agent

Hansel Osorio provides services as an insurance agent through Osorio Solutions Inc.

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

Product availability may vary based on:

• State.

• County.

• ZIP code.

• Age.

• Household composition.

• Income.

• Eligibility.

• Enrollment period.

• Insurance company.

• Provider network.
  
  

3. We Are Not a Government Agency

This website:

• Is not HealthCare.gov.

• Is not a state-based Marketplace.

• Is not operated by a government agency.

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

When appropriate, we may assist you with using official or authorized platforms to review options or complete an application.

4. Results Are Not Guaranteed

We do not guarantee that any individual:

• Will qualify for coverage.

• Will qualify for financial assistance.

• Will receive a specific premium.

• Will be approved by an insurance company.

• Will find a specific insurance company available in their area.

• Will retain the same costs or benefits in future years.

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

5. References to $0 Monthly Premiums

When the website refers to premiums starting at $0 per month, this applies only to individuals who meet the applicable requirements and qualify for sufficient financial assistance.

A $0 premium does not mean that all healthcare services are free.

The following costs may still apply:

• Deductibles.

• Copayments.

• Coinsurance.

• Coverage limits.

• Exclusions.

• Out-of-network expenses.

• Other out-of-pocket costs.
  
  

6. Coverage Activation

Submitting a form, receiving a quote, or selecting a plan does not mean coverage is active.

Coverage will only be considered active after:

• The application has been processed.

• The insurance company or Marketplace confirms enrollment.

• Required verifications have been completed.

• The initial premium has been paid, when required.

• All applicable plan conditions have been satisfied.

The applicant is responsible for reviewing official communications and confirming the effective date of coverage.

7. Information Provided by the User

You agree to provide complete, accurate, and current information.

You may not:

• Use another person’s identity without authorization.

• Provide false documents.

• Submit misleading information.

• Conceal changes relevant to eligibility.

• Use the website for fraud or illegal activity.

Incorrect information may affect eligibility, coverage, financial assistance, and tax obligations.

8. Comparing and Selecting Plans

We may help you understand differences involving:

• Premiums.

• Deductibles.

• Copayments.

• Provider networks.

• Prescription medications.

• Benefits.

• Insurance companies.

The final selection belongs to the consumer.

Before choosing a plan, you should review all official documents, including the Summary of Benefits and Coverage, provider directory, prescription drug formulary, exclusions, and applicable plan terms.

9. Forms and Communications

By submitting a form, you authorize us to contact you regarding your inquiry by phone call, text message, WhatsApp, or email.

You may withdraw this authorization at any time.

The contact authorization provided through this website does not replace any separate consent that must be documented before accessing, completing, reviewing, or modifying a Marketplace application.

10. Privacy

The collection and use of personal information are governed by our Privacy Policy.

You should not submit highly sensitive information through the public contact form.

11. External Websites and Services

This website may contain links to insurance companies, Marketplaces, social media platforms, and other external services.

We are not responsible for:

• Their content.

• Their availability.

• Their privacy practices.

• Their eligibility decisions.

• Their errors or service interruptions.

• Changes made to their products or services.

Your use of third-party websites and services is subject to their own terms and policies.

12. Intellectual Property

Unless otherwise stated, the text, design, graphics, original photographs, and other original content on hanselosorio.com belong to Osorio Solutions Inc. or are used with authorization.

You may not copy, modify, reproduce, publish, or distribute website content for commercial purposes without prior permission.

Insurance company names and logos belong to their respective owners.

The appearance of a logo on this website does not imply sponsorship, exclusivity, or availability of that insurance company in every area.

13. Website Availability

We attempt to keep the website available and current, but we do not guarantee operation without:

• Errors.

• Interruptions.

• Delays.

• Technical failures.

• Temporarily outdated information.

We may modify, suspend, or remove portions of the website when necessary.

14. Limitation of Liability

To the extent permitted by law, Osorio Solutions Inc. and Hansel Osorio will not be responsible for losses resulting solely from:

• Technical interruptions.

• Errors made by the user.

• Incorrect information supplied by third parties.

• Changes made by an insurance company or Marketplace.

• Decisions made without reviewing official documentation.

• External websites or services.

Nothing in these Terms and Conditions limits liability that cannot legally be excluded.

15. Changes to These Terms

We may update these Terms and Conditions to reflect changes in our services, business practices, or legal requirements.

The current version will be published on this page with the applicable update date.

16. Governing Law

These Terms and Conditions will be interpreted under applicable United States and Florida law, without limiting any mandatory consumer rights that may apply in the consumer’s state of residence.

17. Contact Information

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