MyACA AI Legal

Terms of Use

These Terms of Use explain the basic rules for using MyACA AI. By using the website, quote tools, Maria AI assistant, contact form, or enrollment links, you agree to use the site responsibly and understand its limits.

Last updated October 2, 2026

Use of the site

MyACA AI is intended for adults shopping for or learning about ACA Marketplace health insurance and related coverage assistance. Do not misuse the site or submit false information.

Not a government agency or carrier

Tadeo DeCastro currently operates MyACA AI personally as an independent health insurance assistance website. MyACA AI is not HealthCare.gov, CMS, a government agency, HealthSherpa, or an insurance carrier.

Quotes are not guaranteed

Quotes, premiums, subsidy amounts, plan details, and eligibility messages shown on the site are estimates or informational results. Final Marketplace eligibility, premiums, enrollment acceptance, and carrier decisions control.

Verify plan information

Provider networks, formularies, benefits, premiums, deductibles, copays, out-of-pocket maximums, and carrier rules can change and should be verified for the specific plan before enrollment.

Third-party services and contact

MyACA AI uses third-party services including HealthSherpa, OpenAI, Google Analytics, email applications, plan-document links, and carrier resources. These Terms are governed by the laws of Florida, United States. Operator: Tadeo DeCastro. Current contact email: decastrotadeo@gmail.com. Phone: 561-287-0543. No business mailing address or separate legal entity is published in these Terms.