Licensing and Disclosures

Licensed States

Crosspoint Health Insurance Agency is licensed to sell health insurance in the following states:

Licensing Verification

Licensing information can be verified through the National Insurance Producer Registry (NIPR) at nipr.com.

You may also:

• Contact your state's Department of Insurance
• Contact us directly at support@crosspointhealthinsuranceagency.com

How We Are Compensated

Crosspoint Health Insurance Agency receives compensation from insurance carriers and partner agencies in the following ways:

• Commissions: We receive commissions from insurance carriers when you enroll in a plan through our services. Commission rates vary by carrier and product type.
• Lead Routing Fees: When calls or form submissions are routed to licensed partner agencies, we may receive compensation for these connections.
• Bonuses and Incentives: We may receive performance bonuses or other incentives from insurance carriers based on volume or other metrics.

Impact on Your Costs

Our compensation does not increase your premium. Whether you work with us or purchase directly from an insurance carrier, you pay the same rate. Our services are provided at no additional cost to you.

Not an Insurance Company

Crosspoint Health Insurance Agency is an insurance agency, not an insurance company. We do not underwrite insurance policies or make coverage decisions. All insurance policies are issued and administered by licensed insurance carriers.

No Guarantee of Coverage

We do not guarantee that you will be approved for coverage or that any specific plan will be available in your area. Plan availability, coverage options, and premium rates vary by location and are subject to change.

Not Legal or Financial Advice

The information provided on our website and through our services is for informational purposes only and does not constitute legal, financial, or tax advice. We recommend consulting with qualified professionals for advice specific to your situation.

Call Routing & Recording

Calls to and from Crosspoint Health Insurance Agency may be monitored or recorded for quality assurance and training purposes. Calls and form submissions may be routed to licensed agents or partner agencies to assist with your coverage needs. By calling us, you consent to the recording of your call.

Plan Availability

Not all insurance plans are available in all areas. Plan availability, coverage options, and premium rates vary by location and are subject to change. The plans referenced on our website may not be available in your area.

Subsidy Estimates

Any subsidy or tax credit estimates provided through our calculator tools are approximations only. Final subsidy amounts are determined by the federal or state marketplace based on information provided in your official application.

Medicare-Specific Disclosures

State and Federal Regulations

We comply with all applicable state and federal laws and regulations governing the sale of insurance, including:

• State insurance department regulations
• The Affordable Care Act (ACA)
• Health Insurance Portability and Accountability Act (HIPAA)
• Telephone Consumer Protection Act (TCPA)
• CMS Medicare Communications and Marketing Guidelines (MCMG)
• CAN-SPAM Act
• State-specific privacy and data protection laws

Anti-Discrimination

We do not discriminate on the basis of race, color, national origin, disability, age, sex, gender identity, sexual orientation, or health status. We provide assistance to all consumers seeking health insurance coverage.

We take the privacy and security of your personal information seriously. For detailed information about how we collect, use, and protect your data, please review our Privacy Policy.

We maintain appropriate technical and organizational security measures to protect your information from unauthorized access, use, or disclosure.

If you have a complaint or concern about our services, please contact us:

State Insurance Departments

If your complaint is not resolved to your satisfaction, you may also contact your state's Department of Insurance. Contact information for state insurance departments can be found at the National Association of Insurance Commissioners (NAIC) website: www.naic.org.

We are committed to making our website and services accessible to all individuals, including those with disabilities. We strive to comply with the Web Content Accessibility Guidelines (WCAG) 2.1 Level AA standards.

If you experience any difficulty accessing our website or require assistance with our services, please contact us at support@crosspointhealthinsuranceagency.com or call 1-800-123-4567.

We provide free language assistance services to help you understand and navigate your insurance options. Language interpretation services are available in multiple languages.

To request language assistance, please call 1-800-123-4567 and indicate your language preference.

We may update this page from time to time to reflect changes in our licensing, business practices, or regulatory requirements. The “Last Updated” date at the top of this page indicates when changes were last made.

If you have any questions about our licensing, regulatory compliance, or disclosures, please contact us: