Terms of Service

Last updated: 2026-10-01. Starter terms: have them reviewed by a professional and by USHA compliance before publishing.

This website is operated by Luis Ruiz, a licensed health insurance agent (NPN 22256582). The content here is for general information only and is not insurance, legal, or tax advice, nor an offer of coverage.

No guarantee

Plan availability, benefits, and eligibility vary by state and individual and are governed by the official policy documents issued by the insurer.

Not government-affiliated

Ruiz Advisory is not affiliated with or endorsed by any government agency, HealthCare.gov, the Health Insurance Marketplace®, or CMS.

Contact

Email ruizadvisory4@gmail.com or call (786) 510-1626.