Terms Of Use

Your access to and use of this site ("Site") are subject to the terms and conditions contained herein. By accessing and using this Site, you accept the Privacy Statement and these Terms of Use, without limitation or qualification.

This Site and its contents are provided "as is." While we have made every attempt to ensure that the information contained on this Site is complete and accurate, we make no representation or warranty of any kind with respect to the Site and information provided herein. We may change the information at any time without notice.

By hosting this Site, Aon Hewitt is not acting as your broker, agent or other representative. For more information about specific health insurance options, please contact a licensed insurance professional. The information and content provided through this Site is intended to be general in nature and is provided for informational purposes only. Your projected qualification for any state program and/or the program information contained herein is based on a combination of the data you entered and sources and information that we believe to be reliable and up-to-date. We do not guarantee the accuracy of this information.

The "Coverage Calculator " tool calculates the likelihood of your eligibility based on some high level assumptions in combination with the data you have entered; it does not actually determine your eligibility for any specific state program. Any final determinations will be made by the governing body upon enrollment. This calculator uses only a subset of the data inputs required by the government for the actual eligibility and/or subsidy determinations. It does not take into consideration certain factors, including citizenship, tobacco usage, residency status, incarceration, etc., which may make you ineligible for these programs. The "Estimated Household Income" that you enter is used to calculate income relative to the Government Poverty Level (FPL) instead of modified adjusted gross income or other eligibility rules as defined by an individual state program. The tool also takes the data you have entered and assumes that any spouse and/or children are eligible dependents as defined by the rules for each state's program(s) (for example, children are within the allowable age limits (e.g., under age 26)). This calculator utilizes the most recent annual FPLs, as provided by the HHS and published by the Government Register. Generally, HHS updates these amounts each January, so calculations may not capture the most recent FPL values or the FPL values that apply at the time actual eligibility is determined.

For purposes of determining your estimated subsidy amount in the Federal or State Marketplace, this application uses an estimate of the monthly premium for the second lowest cost silver plan available (the “Benchmark Plan”), adjusted for family size, location, and age of enrollees (unless the state has released and our third-party service provider has received and incorporated the actual premium cost). for the Advanced Premium Tax Credit. Also, it does not provide an estimate of potential cost-sharing credits only applicable in certain situations where a silver plan is purchased. If a person is eligible for other minimum essential coverage, that person is not eligible for this subsidy. This tool assumes that any medical coverage available from your employer or your spouse's employer satisfies the minimum essential benefits coverage, is "affordable", and meets any other requirements of the Affordable Care Act or other state rules for program eligibility.

For purposes of this tool, Medicaid and CHIP eligibility is based solely on the income you’ve entered relative to the government poverty level.

Applicable laws, regulations, and individual state programs are subject to change and may impact each person's health care decisions differently depending on the circumstances of each unique situation. Aon Hewitt does not assume any obligation to inform you of any changes in the state or government health care laws, programs, or other factors that could affect the information provided herein. The results and content on this Site should not be relied on as the only source of information for your health care coverage decisions.

You acknowledge that the Site contains copyrighted materials as well as trademarks and service marks that are owned by Aon Hewitt, your employer, their related entities and affiliates, and/or third parties. Nothing contained on this Site shall be construed as conferring any right to any copyright, trademark, or other proprietary interest of Aon Hewitt, your employer, their related entities or affiliates, and/or any third party. You agree not to infringe upon any copyright, trademark, or service mark. You also agree that you will not alter or remove any copyright, trademark, or any other notice from any authorized copy of the content on this Site.

The functionality of this Site permits you to provide personal information-for example, annual income, marital status, etc. We do not store, retain or guarantee this information. Your use of this Site, the material on it and/or any third party links is solely at your own risk.

The Site is not hosted by your employer and does address the details of your employer's benefit programs. For more information on your employer's benefit programs, please contact your employer.

Should you choose to go to the Aon Retiree Health Exchange or eHealth websites and enroll in insurance coverage, Aon Hewitt Health Market Insurance Solutions Inc. and/or eHealth, Inc. may be compensated for that enrollment. By law, any such arrangement will not impact your premiums. Any coverage offered on the Aon Retiree Health Exchange or eHealth website is not endorsed or sponsored by your employer. Be aware that if you are eligible for health coverage through your employer, enrolling in individual coverage through eHealth or any other broker may not be the best option for you. For more information about the Government health care requirements and programs, see www.healthcare.gov.

Certain links on this Site connect to websites maintained by third parties. We make no representations or warranties as to the content of these sites and take no responsibility for such sites. Our link to another site is not an endorsement of that site. We encourage you to review any website's policies before providing any personal information.

This Site may not perform as intended at all times. You agree that Aon Hewitt and/or your employer are not responsible for any error, omission, interruption, or delay in operation of or transmission through this Site, communication line failure, system failure, or other circumstance beyond their control.

You agree to use this site only for lawful purposes. You are prohibited from hacking, defacing, spamming, flooding, or engaging in other harmful or offensive activities. In order to use this site, we ask that you do the following:
  • Keep your computer software up to date with the latest browser and anti-virus security software.
  • Protect against unauthorized access to your computer.
  • Log off when finished if using a shared computer.
Unauthorized attempts to upload information and/or change information on this website are strictly prohibited and are subject to prosecution. We reserve the right to terminate or suspend your use of this site without notice.

Copyright and Trademark Information

Third Parties

  • Adobe®, Adobe® Flash® Player, and Adobe® Reader® are either registered trademarks or trademarks of Adobe Systems Incorporated in the United States and/or other countries.
  • Firefox® is a registered trademark of the Mozilla Foundation.
  • Macintosh® is a registered trademark of Apple Computer, Inc.
  • Microsoft® and Windows® are registered trademarks of Microsoft Corporation in the United States and/or other countries.
  • Some images copyright© PhotoDisc, Inc.
  • Java and all Java-based trademarks and logos are trademarks or registered trademarks of Sun Microsystems, Inc., in the United States or other countries.
  • Safari is a trademark of Apple Computer, Inc.
Other third-party trademarks, service marks, logos, and trade names that may appear on the Site but are not specifically mentioned in this section are the property of their respective owners.