Terms of Service

These Terms of Service ("Terms") govern your use of the website located at sourcehealthinsurance.com and all related services (collectively, "Services") operated by Source Health Insurance ("Source Health Insurance," "we," "us," or "our"). By using the Services, you represent that you are at least 18 years of age and have the legal capacity to enter into these Terms.

Source Health Insurance operates a website that provides information about ACA-compliant health insurance products featuring the Investment Premium Reserve (IPR) model. Our Services include informational content, enrollment support, account management, and related tools.

Insurance products are not yet available in all markets. Source Health Insurance products are pending state regulatory approval in our launch states. The availability of coverage, specific plan terms, premiums, and IPR allocations are subject to regulatory approval and may change before coverage becomes available.

Regulatory Status. Source Health Insurance is in the process of obtaining state insurance licenses and regulatory approvals necessary to offer insurance products. Insurance coverage is not currently available. We anticipate receiving regulatory approval to begin offering coverage in late 2026 in our initial launch states, but this timeline is not guaranteed.

Premium and IPR Projections. Any premium amounts, IPR allocation percentages, interest rates, and projected balances displayed on this website are estimates based on actuarial models and are subject to state regulatory approval. Actual premiums may differ. Projected IPR balances are hypothetical illustrations based on stated assumptions and are not guaranteed.

Not Financial or Legal Advice. Information on this website is for general informational purposes only and does not constitute insurance, financial, tax, or legal advice. Consult qualified professionals for advice specific to your situation.

ACA Subsidy Information. Information about ACA premium tax credits and subsidies is general in nature. Subsidy eligibility depends on your income, household size, and other factors. Consult Healthcare.gov or a licensed insurance broker for subsidy eligibility determination.

The Individual Premium Reserve (IPR) is a feature of Source Health Insurance plans — not a standalone product. When enrolled, 80-87% of your monthly premium is allocated to your IPR, an account you own. The IPR earns competitive variable interest and builds long-term health equity. IPR balances are governed by the terms of your Source Health Insurance plan.

You may create an account or join a waitlist through our Services. You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account. You agree to provide accurate and complete information and to update it as necessary.

Joining our waitlist or creating an account does not constitute an offer or commitment of insurance coverage. It is an expression of interest subject to availability, regulatory approval, and underwriting guidelines applicable at the time of enrollment.

The Services and all content, features, and functionality — including text, graphics, logos, and software — are owned by Source Health Insurance or its licensors and are protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our written permission.

You agree not to:

• Use the Services for any unlawful purpose or in violation of these Terms
• Attempt to gain unauthorized access to our systems or other users' accounts
• Transmit harmful, fraudulent, or misleading content
• Scrape, crawl, or systematically extract data from our Services without permission
• Interfere with or disrupt the integrity or performance of the Services
• Impersonate any person or entity or misrepresent your affiliation

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, SOURCE HEALTH INSURANCE AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR GOODWILL, ARISING FROM OR RELATED TO YOUR USE OF THE SERVICES.

OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATED TO THESE TERMS OR THE SERVICES SHALL NOT EXCEED THE GREATER OF (A) $100 OR (B) THE AMOUNT YOU PAID US IN THE TWELVE MONTHS PRECEDING THE CLAIM.

Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, our liability is limited to the fullest extent permitted by law.

You agree to indemnify, defend, and hold harmless Source Health Insurance and its affiliates, officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including attorneys' fees) arising from your use of the Services, your violation of these Terms, or your violation of any third-party rights.

Governing Law. These Terms are governed by the laws of the State of [State], without regard to conflict of law principles.

Arbitration. Any dispute arising from or relating to these Terms or the Services that cannot be resolved informally shall be submitted to binding arbitration administered by [Arbitration Organization] under its rules then in effect. The arbitration shall be conducted in [City, State]. This arbitration agreement does not apply to claims for injunctive relief or claims within the jurisdiction of small claims court.

Class Action Waiver. You agree that any dispute will be resolved on an individual basis and not as part of a class or representative action.

We reserve the right to modify these Terms at any time. We will provide notice of material changes by updating the "Last updated" date and, where appropriate, notifying you by email. Your continued use of the Services after any changes constitutes acceptance of the updated Terms.