Terms

These terms cover use of Health Coverage, an educational site published by HALOX Co. By reading the pages you agree to this note. If you do not agree, leave the site.

The site

The public name is Health Coverage. The work is English-language explainers for a US audience. Pages may change without notice. A live piece can be revised when a definition needs a tighter sentence.

License to read

You may read, link to a permalink, and quote short passages with credit to Health Coverage and a link back. You may not scrape the site to resell it as a product, wrap it in a confusing imprint, or present HALOX Co.’s copy as your own.

No professional relationship

Reading this site does not create a medical, insurance, or legal relationship. Nothing here is an offer to sell a plan, enroll a person, or decide a claim. See the Disclaimer.

Accuracy

We try to keep mechanics straight. Program rules change, plan contracts change, and a short explainer can omit an edge case. You are responsible for checking a primary rule, a plan document, or the paper in your hand before you act.

Liability

To the fullest extent allowed under US law, HALOX Co. and Health Coverage are not liable for losses tied to use of the site, including any decision you make after reading an explainer. The site is provided as-is.

Governing law

These terms are governed by the laws of the United States and the State of New York, without a fight about conflict of laws. Venue for disputes is a court of competent jurisdiction in New York.

Changes

HALOX Co. may update these terms by posting a new version on this page.