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By visiting the JME Insurance Agency website (www.jmeinsurance.com), either as a client or as a guest, you agree to the below terms of use.

The Short, Legal Version

The materials contained in this E-subscription Service are for informational purposes only and not for the purpose of providing insurance, legal, or tax advice. For advice about a particular problem or situation, please contact the licensed insurance professional, employee benefits attorney, or tax advisor of your choice.

JME Insurance Agency is licensed in the states of Texas, Oklahoma, New Mexico, and Illinois and happily provides advice to our insurance clients, but use of and access to this website and its content do not create an advisor-client relationship between JME Insurance Agency and/or the individual authors and the recipient, reader, or user. The opinions expressed on this website are the opinions of the individual author and may not reflect the opinions of JME Insurance Agency, its owners, or other content contributors. Furthermore, prior results do not guarantee a similar outcome.

The information on this website is distributed in the hope that it will be useful, but WITHOUT ANY WARRANTY; without even the implied warranty of MERCHANTABILITY or FITNESS FOR A PARTICULAR PURPOSE.

The Longer but Easier-to-Read Version

The information presented on this site is meant to provide a general, high-level overview of a number of insurance-related topics as well as some of the provisions of the Affordable Care Act. It is neither complete nor comprehensive in nature; instead, it explains select topics in simple terms to make them easier to understand.

Nothing on this site, including the question & answer sections, is intended as insurance, legal, or tax advice. Many of the rules are subject to interpretation, and this material is simply our interpretation of it – you should study the available guidance and form your own opinions.

Insurance, legal, and tax professionals who visit this site should not rely on this information when advising their clients. Many of the ACA rules are still being written by the Department of Health & Human Services, Department of Treasury, Department of Labor, and other government agencies. , and our understanding continues to evolve as more regulations and guidance are released. This information changes rapidly, and what it means is not only subject to interpretation but is being debated by experts nationwide, so advisors should do their own research and consult a number of sources before making a recommendation.

Individuals and employers should also not rely on the information on this site when making a decision, though it can serve as a good starting point and help them form questions that they should ask their insurance agents, attorneys, and tax advisors. This law is complicated, and we do recommend to most people that they work with a trusted advisor. JME Insurance Agency is licensed in the states of Texas, Oklahoma, New Mexico, and Illinois and happily provides advice to our insurance clients, but use of and access to this website and its content do not create an advisor-client relationship between JME Insurance Agency and/or the individual authors and the recipient, reader, or user.

By accessing this site, you agree to hold JME Insurance Agency, its owners and employees, and all contributors to the site harmless for any decisions you make, advice you give, or damage/financial loss you may suffer.