Rights, disclosures,
and how Edward is paid

1. What this site is

This is a demonstration website. It exists to show a design and an enrolment flow. No application submitted here reaches the Health Insurance Marketplace, CMS or any insurance company, no policy can be bought through it, and nothing entered is written to a server or a database.

The producer details are real: Edward Gudas, National Producer Number 16974880, of Gradepoint Insurance Group, LLC, agency National Producer Number 21297322. The plan data is real, read live from the CMS Marketplace API. What is not real is the transaction: the survey ends with a record handed back to your own browser and nothing else.

Attention: this website is operated by Gradepoint Insurance Group and is not the Health Insurance Marketplace website. In offering this website, Gradepoint Insurance Group is required to comply with all applicable federal laws, including the standards established under 45 C.F.R. §155.220(c) and (d) and standards established under 45 C.F.R. §155.260 to protect the privacy and security of personally identifiable information. This website may not display all data on Qualified Health Plans being offered in your state through the Health Insurance Marketplace website. To see all available data on Qualified Health Plan options in your state, go to the Health Insurance Marketplace website at HealthCare.gov.

2. How Edward is paid

By the insurance company you enrol with, as a commission, and by nobody else. You are not charged a fee, and there is no arrangement in which you would be.

That commission does not raise your premium. Marketplace premiums are filed by the insurer with state and federal regulators before the plan year opens, and they are identical whichever route you take: an agent, HealthCare.gov, or the Marketplace call center on 1-800-318-2596. If a plan costs $412 a month, it costs $412 a month.

Commission rates differ between insurers, and it would be dishonest to pretend that creates no incentive at all. Two things blunt it. The survey shows every plan sold in your county rather than a shortlist, sorted by what you would actually pay, and the tools that would cost a sale — the Medicaid warning, the coverage-gap warning, the note that an affordable employer offer rules out the tax credit — are built in rather than left to the conversation.

What is not sold here at all: short-term limited-duration medical, health-share ministries, fixed-indemnity plans, and discount cards. They are not Qualified Health Plans, they are not required to cover pre-existing conditions, and they are not what this site is about.

3. Consent, and your personally identifiable information

CMS requires an agent or broker to obtain a consumer's consent before viewing or working on their Marketplace application, and to keep a record of it. The survey collects that consent using CMS's model language, unaltered, and shows you the SHA-256 hash of the exact words you agreed to so the record can be tied to a specific document rather than to a checkbox.

Consent remains in effect until you revoke it. You may revoke or modify it at any time by emailing Edward at Edward@gradepointinsurance.com.

On a real enrolment, the information you give would be used only to search for an existing Marketplace application, complete an application for eligibility and enrolment, provide ongoing account maintenance, and respond to Marketplace inquiries about your application. It would not be sold, and it would not be used for marketing.

This demonstration collects no Social Security number. A real application needs one; a demo does not, so the survey records only whether you have one to hand. Nobody should ever ask you for an SSN by email, or before consent.

4. What a submission records

A signature that cannot say when and where it was given, and to exactly what text, is not worth much. So the survey's final step assembles an audit record. Every field in it is shown to you before you sign and again afterwards, and you can download the whole thing as JSON.

Observed by the server

Collected by the Cloudflare edge at the moment the request arrives, and not forgeable by the page: your IP address; the country, region, city, postal code and time zone that address resolves to; the autonomous system number and operator of the network you are on; the edge data centre that answered; the HTTP protocol and TLS version; your full user-agent string, Accept-Language and referring page; and the UTC timestamp of receipt.

Reported by your browser

Clearly labelled as client-reported throughout, because a browser can claim anything: local time, time zone and UTC offset; browser languages, platform and user-agent brand list; screen and window size and device pixel ratio; whether you have reduced motion or a dark colour scheme set; the page you landed on, the page you submitted from and the referrer; time spent on each step and in total; and the SHA-256 hash and version string of the exact consent text you were shown.

Deliberately not collected

No canvas or WebGL fingerprinting, no font enumeration, no audio fingerprinting, no third-party trackers, no advertising pixels, no session recording. An audit trail records a transaction you knowingly completed. Covert fingerprinting would undermine the very consent the form exists to collect, and it is not here.

The record is assembled in memory at the edge, returned once to your browser, and forgotten. It is not written to a database, a log, a queue or a file.

5. Where the plan data comes from

Plans, premiums, deductibles, out-of-pocket maximums, formularies, provider networks, poverty guidelines, eligibility estimates and crosswalks all come from the CMS Marketplace API, live, at the moment you ask. Nothing on this site is a stored price list.

The county list behind the ZIP step has one fallback: a bundled Census 2020 ZCTA-to-county relationship file, 33,791 ZIP codes, used only when the live API does not answer. When that happens the page says so rather than pretending. Drug names have a second fallback to the National Library of Medicine's RxTerms list, which returns correct names but no Marketplace drug code — and the plan filter says so instead of silently doing nothing.

One live limitation, stated rather than hidden: the federal Marketplace API only carries the states that use HealthCare.gov. Illinois moved to its own state-based exchange for the 2026 plan year, so the federal API returns no 2026Illinois plans and this survey says exactly that when it happens, offers 2025pricing so the flow can still be seen end to end, and points you at Edward, who quotes the state exchange directly. Several other states have made the same move in recent years.

Every figure produced from your answers is an estimate. Your advance premium tax credit, any cost-sharing reduction and your eligibility are determined by your actual Marketplace application, not by this survey. If your income changes during the year you are required to report it to the Marketplace within thirty days, and the credit is reconciled on your tax return.

6. Storage and cookies

This site sets no cookies. None, first-party or third-party.

It stores two things in your browser, and only if you allow it. Your display preferences — colour theme, colour scheme, type pairing, text size, contrast, motion and link underlining — go in localStorage under gradepoint.prefs, alongside your answer to the consent notice in gradepoint.consent. Decline, and the same preferences live in sessionStorage instead and disappear when you close the tab.

Your survey answers always live in sessionStorage, never in localStorage, whatever you chose. They are personally identifiable information and they should die with the tab. Clearing them yourself is one button on the final step, or closing the tab.

There is no analytics on this site, no advertising, no embedded third-party script, and no font, image or stylesheet loaded from another domain. The only outbound requests the page makes are to this site's own /api/survey/* proxy, and — for city and state from a ZIP, and for the drug-name fallback — to zippopotam.us and the National Library of Medicine.

7. Non-discrimination

Gradepoint Insurance Group does not discriminate on the basis of race, colour, national origin, disability, age, sex, gender identity, sexual orientation or health status in the administration of the plan, including enrolment and benefit determinations.

Language assistance and auxiliary aids are available on request at no cost. Call 1-847-754-4628 and say what you need.

8. Accessibility

This site makes no claim of WCAG conformance, because it has not been through a formal audit and saying otherwise would be a claim we cannot support.

What it does claim, and what was actually measured:

• Text contrast measured on composited pixels in both the light and the dark theme, and in every colour scheme offered.
• A visible focus ring on everything reachable by keyboard, never removed.
• A real label on every form control, inline errors tied to their field, and an error summary at the top of a step that jumps to the field.
• A complete keyboard path through the enrolment survey, including the drug autocomplete and both signature methods.
• A typed signature alongside the drawn one, because a person who cannot draw must still be able to sign.
• Reduced motion honoured from the operating system, and overridable in either direction from the Legibility panel.
• Tap targets of at least 44 by 44 pixels, and no horizontal scrolling down to a 320-pixel-wide screen.

If something here does not work for you, that is a defect worth hearing about. Email Edward@gradepointinsurance.com.

9. Your rights, and how to complain

You never have to use an agent. You can enrol yourself at HealthCare.gov, call the Marketplace on 1-800-318-2596 (TTY 1-855-889-4325), which is open 24 hours a day and free, or find a Navigator or certified application counsellor near you at localhelp.healthcare.gov. The price is the same by every route.

You can verify any producer's licence before you tell them anything. Look up a National Producer Number on the NIPR register, or check a licence with the Illinois Department of Insurance.

To complain about an agent's conduct, contact the Illinois Department of Insurance, or the Marketplace on 1-800-318-2596. To complain about this website, email Edward@gradepointinsurance.com.

Nobody from the Marketplace, from CMS or from Gradepoint Insurance Group will ever call you out of the blue asking for a Social Security number, a bank account, a credit card or a payment to “activate” coverage. If that call comes, it is not them.