Last updated Jan 1, 2021

1. Introduction
This website (the “site”) is owned and maintained by Healthy Halo Insurance Services, Inc. (“Healthy Halo”), which is solely responsible for its content. This site is not maintained by or affiliated with Covered California, and Covered California bears no responsibility for its content. These Terms and Conditions (“Terms”) are an agreement between Healthy Halo and you, as a user of the site.

Please review the Terms carefully before using the site or starting an application.
By using the site or submitting information to us, you accept and agree to be legally bound by the Terms. If you do not understand or do not wish to be bound by the Terms, do not use the site or submit any information.

2. Modifications
Healthy Halo reserves the right to modify these Terms or the site at any time. Any changes to the Terms will be effective immediately upon posting on this page, with an updated effective date. By accessing the site after changes have been made, you signify your agreement to the modified Terms.

3. Covered California
Healthy Halo is a certified insurance agent in the state of California. We help our customers obtain health insurance coverage from a number of providers, including Covered California. You may apply for Covered California insurance by submitting information on our site. You may also, at any time during the application process, decide to apply for and obtain insurance directly from Covered California at their website.

4. Permission to Act On Your Behalf
Any instructions, choices, or requests you make on our site will be considered your written permission to Healthy Halo to provide information or conduct transactions on your behalf.

5. Conduct
You agree to use our site only for lawful purposes and in compliance with all federal and state laws. By using the site, you agree to:

  • only submit personal information about yourself or those who have authorized you to do so on their behalf, like family members;
  • only provide truthful information;
  • not impersonate another person or entity;
  • notify us immediately if you think someone has illegally accessed the site or your information;
  • not to use the site in a way that interferes with, damages, disables, or overburdens the site or our computer equipment or networks;
  • not attempt to gain unauthorized access to the site, other accounts or information, or our computer equipment or networks through hacking, password mining or any other means;
  • not attempt to obtain information from the site that is not made available to you;
  • not use any high volume, automated, or electronic means to access the site (including without limitation robots, spiders or scripts);
  • not place pop-up windows, or otherwise affect the display of its pages; or
  • force headers or otherwise manipulate identifiers in order to disguise the origin of any communication transmitted through the site.

6. Registration
You may be able to register for a personal account (an “Account”) by creating a username and password and security questions and answer.

You are solely responsible for all activities that occur through your Account. Healthy Halo is not liable for any loss or damage resulting from your failure to safeguard your password and account.

You agree that you will not share access to your Account with anyone. You agree to notify Healthy Halo immediately of any actual or suspected unauthorized use of your account at

7. Intellectual Property
Healthy Halo logos, trademarks and service marks (“Marks”) are the property of Healthy Halo and are protected under United States and foreign laws. “Covered California” and the Covered California Logo are registered trademarks or service marks of Covered California, in the United States. All other trademarks, service marks and logos used on the site, with or without attribution, are the trademarks, service marks or logos of their respective owners.

8. Data Privacy and Security
Healthy Halo collects, uses and shares your personal information in accordance with our Privacy Notices. We handle your personal information in compliance with federal and state law and regulations. By using the site, you agree to the terms described in theat Privacy Notices. If you do not agree to the information practices described in the Privacy Notices, you should not use the site.

Healthy Halo uses reasonable administrative, physical and technical measures to safeguard your personal information. If you have questions or concerns about our privacy or security practices, please contact us at

9. Links to External Websites
In the event Healthy Halo provides links to third-party websites or services, we do so for information purposes only. We make no representations as to the accuracy, legality or availability of any such sites.

10. Third-Party Web Applications
Healthy Halo offers a variety of social media services, like Facebook, Twitter, YouTube, Instagram, and Google Plus, to communicate and interact with citizens through third-party website applications (TPWA). Your use of TPWAs is completely voluntary and in no way limits your use of our site. Your activity using these TPWAs is governed by the security and privacy policies of those sites. You should review the third-party privacy policies before using the sites and ensure that you understand how your information may be used. Information posted or submitted using TWPAs may become publicly available. Please do not post personally identifiable information you wish to keep private.

11. Additional Terms
Once you provide information on our site, we use that information to determine pricing and eligibility for health insurance policies with insurers, including the California Health Benefit Exchange. The terms and privacy policies of those providers may apply to the services and products offered. In the event of that such additional terms and these Terms conflict, such additional terms will control.

12. No Warranties
This site is provided “as is” and “as available” with no warranties whatsoever. To the maximum extent permitted by law, Healthy Halo, its officers, directors, employees, successors, contractors, service providers, and assignees makes no warranties or representations about the site. Healthy Halo disclaims all liability for (i) the accuracy, availability or reliability of the site or site content, (ii) harm to your computer, loss of data or other harm resulting from your access to the site, (iii) loss of or failure to transmit user data, and other loss or damage arising from your use of the site.

13. Limitation of Liability

14. Indemnification
You agree to defend, indemnify, and hold Healthy Halo, its officers, directors, employees, successors, contractors, service providers, and assignees harmless from and against all loss, expenses, damages, and costs, including, without limitation, reasonable legal fees, arising or resulting from your intentional and willful breach of these Terms for your intentional unauthorized use or misuse of the site. Healthy Halo reserves the right to assume, at its own expense, the exclusive defense and control of any matter otherwise subject to indemnification by you. You agree not to settle any matter without the written consent of Healthy Halo.

15. Termination
These Terms will remain in effect until terminated by you or Healthy Halo. We reserve the right to terminate or make changes to the site, or to restrict or terminate your access to the site at any time and for any reason, including (i) your violation of these Terms, (ii) conduct which Healthy Halo believes to be illegal, or (iii) for business reasons.

16. Jurisdiction and Venue
The Healthy Halo site is made available from computer systems located within California, and is for the use and benefit of the citizens of California. These Terms will be governed by the laws of the State of California, without giving effect to any conflict of laws principles. The parties specifically exclude from application to the United Nations Convention on Contracts for the International Sale of Goods and the Uniform Computer Information Transactions Act. You hereby irrevocably and unconditionally consent to the jurisdiction and venue in the state and federal courts sitting in Los Angeles, California.

The site is to be deemed a website that does not seek to purposefully avail itself of the benefits and privileges of doing business in any state other than California and thus does not give rise to personal jurisdiction over Healthy Halo, either specific or general, in jurisdictions other than California.

17. Other Provisions
Healthy Halo’s failure to enforce any provision of these Terms does not constitute a waiver of its right to do so.

If any provision of these Terms is deemed unenforceable by a court of law of competent jurisdiction, the provision will be removed and the remaining terms of the will be valid and in effect.

These Terms and our Privacy Notices constitute the entire agreement between you and Healthy Halo and supersede any other agreements between you and Healthy Halo, whether written or oral.

You warrant that you have the legal right and authority to agree to these Terms and our Privacy Notices, to perform the obligations under these Terms, and that all information you provide to Healthy Halo is current and correct.