Disclaimers & Disclosures

Marketplace Only — No Insurance Sold Here

GroupHealthMatch connects employers with licensed group health insurance brokers. We facilitate introductions and provide a searchable directory of professionals — similar to how a legal directory connects clients with attorneys, or a medical directory connects patients with physicians.

GroupHealthMatch does not:

• Sell, quote, or bind any insurance policy;
• Negotiate insurance terms on behalf of any employer or employee;
• Receive commissions from insurance carriers;
• Act as a fiduciary for any employer or employee;
• Provide legal, tax, financial, or benefits compliance advice.

All insurance transactions, recommendations, advice, and placements are the sole responsibility of the licensed broker you engage through or independently of this Platform.

No Insurance Advice

Content on GroupHealthMatch — including blog posts, articles, broker profiles, specialty descriptions, and market commentary — is provided for general informational and educational purposes only. It does not constitute insurance advice, legal advice, financial advice, or a solicitation to purchase any insurance product or service.

Group health insurance is complex, highly regulated, and varies significantly by state, employer size, industry, and workforce demographics. You should consult a licensed insurance professional before making any insurance purchasing, renewal, or plan design decision. Do not rely solely on information found on this Platform to make coverage decisions.

Broker Profiles — No Endorsement or Guarantee

Broker profiles on GroupHealthMatch may be:

• Auto-generated from publicly available data provided by the National Insurance Producer Registry (NIPR) and state Departments of Insurance; or
• Self-submitted by the broker or their authorized representative.

GroupHealthMatch does not independently verify, audit, or endorse any information in a broker profile, including but not limited to:

• Current license status or license type;
• State appointments and authorized lines of insurance;
• Continuing education compliance;
• Carrier appointments or writing privileges;
• Claims, complaints, or disciplinary history;
• Client reviews, ratings, or testimonials;
• Errors and omissions (E&O) insurance coverage;
• Business size, revenue, or years in operation.

The appearance of a broker profile on GroupHealthMatch does not constitute an endorsement, recommendation, certification, or approval of that broker by GroupHealthMatch.

Verify Broker Licenses Independently

You are strongly encouraged to verify that any broker you consider engaging holds a current, valid license in your state for the lines of insurance you require before sharing any sensitive business or employee information, signing any agreement, or making any payment.

You can verify insurance producer licenses for free through:

• NIPR (National Insurance Producer Registry): nipr.com
• Your state's Department of Insurance (search "[Your State] Department of Insurance license lookup")

Lead Generation Disclosure

When you submit an inquiry, contact request, or lead form through GroupHealthMatch, you acknowledge and consent to the following:

• Your contact information and stated coverage needs may be shared with one or more licensed insurance brokers listed on the Platform;
• Those brokers may contact you by phone, email, or text message in response to your inquiry;
• Submitting a request does not obligate you to purchase any insurance product or engage any broker;
• GroupHealthMatch does not guarantee the responsiveness, quality, or suitability of any broker who receives your inquiry;
• You may receive follow-up from multiple brokers if your inquiry matches multiple profiles.

You can opt out of future broker contact by emailing privacy@grouphealthmatch.com.

ACA / Employer Mandate Compliance

References to the Affordable Care Act (ACA), employer mandate requirements, Applicable Large Employer (ALE) status, and related compliance topics on this Platform are for general informational purposes only and do not constitute legal or compliance advice. ACA compliance requirements are complex, subject to change, and may vary based on your specific circumstances. Consult a qualified ERISA attorney or licensed benefits advisor for compliance guidance specific to your organization.

ERISA Notice

GroupHealthMatch is not an ERISA plan sponsor, plan administrator, fiduciary, or named fiduciary under the Employee Retirement Income Security Act of 1974 (ERISA). Nothing on this Platform creates an ERISA plan or constitutes ERISA plan documents. Employers are solely responsible for their obligations under ERISA with respect to any group health plan they establish or maintain.

HIPAA Notice

GroupHealthMatch is not a Covered Entity or Business Associate under the Health Insurance Portability and Accountability Act (HIPAA). Do not submit protected health information (PHI), including employee health information or claims data, through the Platform. Brokers who access employer or employee health data through their professional engagement are solely responsible for their own HIPAA compliance, including maintaining appropriate Business Associate Agreements (BAAs) where required.

State Regulatory Compliance

Insurance is regulated at the state level. License requirements, permitted lines of insurance, and regulatory standards vary by state. GroupHealthMatch makes no representation that any broker listed on the Platform is licensed to conduct business in any specific state or for any specific line of insurance. Brokers are responsible for maintaining all required licenses, appointments, and continuing education in each state where they conduct business.

If you believe a broker listed on this Platform is operating without a required license or in violation of applicable law, you should report this to your state's Department of Insurance.

Accuracy of Information

While we strive to maintain accurate and up-to-date information on the Platform, GroupHealthMatch makes no warranty, express or implied, regarding the accuracy, completeness, timeliness, or reliability of any content, including broker profiles, market data, regulatory information, or editorial content. Insurance markets, regulations, and individual broker circumstances change frequently. Always verify information directly with the broker, carrier, or relevant regulatory authority before making any decision.

Third-Party Links

The Platform may contain links to third-party websites (including carrier websites, regulatory agencies, and industry resources). These links are provided for convenience only. GroupHealthMatch does not endorse, control, or take responsibility for the content, privacy practices, or accuracy of any third-party website. Your use of third-party sites is at your own risk and subject to their respective terms and policies.

Contact

Questions about these disclosures? Contact us at legal@grouphealthmatch.com.