Terms of Use

The Short Version

This website exists to explain Medicare, ACA, and retirement-insurance topics in plain language and to make it easy to reach a licensed advisor if you want help. The content is educational. Reading it, using the interactive tools, or contacting us does not create an agent-client relationship, does not enroll you in anything, and never costs you anything.

Educational Content — Not Professional Advice

Everything on this site — articles, guides, FAQs, videos, and blog posts — is general educational information, not individualized advice. It is not legal, tax, investment, or accounting advice, and it is not a recommendation of any specific insurance plan or a determination of what you are eligible for.

Dollar figures, program rules, and dates are verified against official sources at the time of publication, but Medicare, ACA, and tax rules change every year and vary by situation. Always confirm current details with official sources — Medicare.gov, SSA.gov, HealthCare.gov, your plan documents — or with a licensed professional before making decisions.

Interactive Tools Are Estimates Only

The Coverage Finder Quiz, Cost Estimator, coverage checklists, and AI assistant are educational tools. Their outputs are general orientation — not quotes, not eligibility determinations, not plan recommendations, and not applications for coverage. The AI assistant answers only from a library of pre-written educational responses.

Actual premiums, subsidies, penalties, and plan availability depend on your specific circumstances and can only be confirmed through official enrollment channels or a licensed agent.

Not Affiliated with the Government

Jenkins Insurance & Retirement is a private insurance practice. This site is not affiliated with, endorsed by, or connected to the U.S. government, the federal Medicare program, the Centers for Medicare & Medicaid Services (CMS), HealthCare.gov, or any state agency.

Third-Party Services and Links

Some features hand you off to independent third-party platforms — for example, SunFire for Medicare plan comparison, HealthSherpa for ACA enrollment, Calendly for scheduling, and links to official government websites. Those services operate under their own terms and privacy policies, which govern anything you do there. We are not responsible for the content, accuracy, or practices of third-party sites.

Enrollment Happens Elsewhere

Nothing on this website is an offer of an insurance contract. Any enrollment in a Medicare, ACA, or other insurance product happens through the insurance carrier or an official enrollment platform, subject to that carrier's terms, underwriting, and plan documents. If there is ever a conflict between something on this site and your official plan documents, the plan documents control.

Using This Site

You agree not to misuse the site — including attempting to disrupt it, submitting false information through its forms, or using automated tools to scrape or overload it. The content on this site (text, guides, graphics, and the Jenkins Insurance & Retirement name and logo) belongs to us or our licensors; you're welcome to read, print, and share it for personal, non-commercial use with attribution.

Disclaimer of Warranties and Limitation of Liability

This site is provided "as is" and "as available," without warranties of any kind, express or implied. We work hard to keep information accurate and the site running, but we do not guarantee that content is error-free or that the site will be uninterrupted.

To the fullest extent permitted by law, Jenkins Insurance & Retirement and Jordan Jenkins are not liable for indirect, incidental, or consequential damages arising from your use of this website or reliance on its educational content. Nothing in these terms limits rights you have under applicable law that cannot be limited by agreement.

Changes to These Terms

We may update these terms from time to time; the effective date above always reflects the current version. Continued use of the site after an update means you accept the revised terms.

Governing Law and Contact

These terms are governed by the laws of the State of Utah, without regard to conflict-of-law principles. Questions about these terms? Call (435) 538-3474 (TTY: 711) or use the contact form — we're happy to explain anything in plain language.