Terms of Use
Last updated: June 25, 2026
These Terms of Use ("Terms") govern your use of michalekhealthsolutions.com (the "Site"), operated by Michalek Health Solutions LLC ("we," "us," or "our"). By accessing or using the Site, you agree to these Terms. If you do not agree, please do not use the Site.
About our services
Michalek Health Solutions LLC is an independent insurance agency. Ryan Michalek is a Licensed Insurance Producer (NPN 21043091). We help individuals, families, and small businesses compare and enroll in health and related insurance coverage. We are not affiliated with or endorsed by any government agency or program.
Informational purpose only
The content on this Site is provided for general informational purposes only. It is not insurance, legal, tax, or financial advice, and it is not an offer of coverage. Plan availability, benefits, eligibility, and pricing vary by state, carrier, and individual circumstances. Nothing on the Site creates an insurance contract. Coverage is only effective when issued by an insurance carrier and confirmed in writing.
No guarantee of results
We make no guarantee that any particular plan, premium, or savings will be available to you. Examples, reviews, and figures shown on the Site reflect past experiences and are not a promise of future outcomes.
Your responsibilities
- Provide accurate and complete information when you contact us or request quotes.
- Use the Site only for lawful purposes and not to disrupt or misuse it.
- Review any plan documents, policy terms, and disclosures from the insurance carrier before enrolling.
Third-party links and services
The Site may link to third-party websites and tools (for example, scheduling, insurance carriers, or review platforms). We are not responsible for the content, accuracy, or practices of those third parties, and your use of them is governed by their own terms and policies.
Intellectual property
The Site, including its text, design, logos, and graphics, is owned by Michalek Health Solutions LLC or its licensors and is protected by applicable laws. You may not copy, reproduce, or redistribute Site content without our written permission.
Disclaimer of warranties
The Site is provided "as is" and "as available" without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Site will be uninterrupted, secure, or error-free.
Limitation of liability
To the fullest extent permitted by law, Michalek Health Solutions LLC and its owners and representatives will not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of, or inability to use, the Site.
Changes to these Terms
We may update these Terms from time to time. The "Last updated" date reflects the current version, and changes are effective when posted on this page. Your continued use of the Site means you accept the updated Terms.
Governing law
These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-laws rules.
Contact us
Michalek Health Solutions LLC
5701 E Hillsborough Ave, Suite 1202, Tampa, FL 33610
Phone: (813) 833-7448
Email: rmichalekinsurance@gmail.com