Terms of Use

By subscribing to LearnBenefits, either as a free or paid member, or by purchasing any products sold on the site, you agree to the below terms of use.

The Short, Legal Version

The materials contained in this E-subscription Service are for informational purposes only and not for the purpose of providing insurance, legal, or tax advice. For advice about a particular problem or situation, please contact the licensed insurance professional, employee benefits attorney, or tax advisor of your choice.

Use of and access to this website and its content do not create an advisor-client relationship between LearnBenefits and/or the individual authors/instructors and the recipient, reader, or user. The opinions expressed on this website are the opinions of the individual authors and may not reflect the opinions of LearnBenefits, its owners, or other content contributors. Furthermore, prior results do not guarantee a similar outcome.

The information on this website is distributed in the hope that it will be useful, but WITHOUT ANY WARRANTY; without even the implied warranty of MERCHANTABILITY or FITNESS FOR A PARTICULAR PURPOSE.

The Longer but Easier-to-Read Version

The information presented on this site is meant to provide a general, high-level overview of some of the provisions of the Affordable Care Act, the rules and regulations being written by the Department of Health & Human Services, Department of Treasury, Department of Labor, and other government agencies to implement the ACA, and the plans currently being developed by President-Elect Trump and federal lawmakers to repeal and replace the health reform law. It is neither complete nor comprehensive in nature; instead, it explains select provisions and proposals in simple terms to make them easier to understand.

Nothing on this site, including the question & answer section, is intended as insurance, legal, or tax advice. Many of the rules are subject to interpretation, and this material is simply our interpretation of it – you should form your own opinions.

Insurance, legal, and tax professionals should not rely on this information when advising their clients. This is a fluid situation: plans are still being developed, rules are still being written, and our understanding continues to evolve as more guidance is released. This information changes rapidly, and what it means is not only subject to interpretation but is being debated by experts nationwide, so advisers should do their own research and consult a number of sources before making a recommendation.

Individuals and employers should also not rely on the information on this site when making a decision, though it can serve as a good starting point and help them form questions that they should ask their insurance agents, attorneys, and tax advisers. This law is complicated, and we do recommend to most people that they work with a trusted adviser.

By accessing this site, you agree to hold LearnBenefits, its owners and employees, and all contributors to the site harmless for any decisions you make, advice you give, or damage/financial loss you may suffer.