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Licensing & Broker Disclosures

Effective date: June 22, 2026

The short version. ShopHealthcare is a website operated by Core Value Insurance Associates, LLC, a licensed independent health insurance brokerage (National Producer Number 19482230). We are not an insurance company, not the government, and not the official ACA Health Insurance Marketplace at HealthCare.gov. We help you shop private, off-exchange health coverage from the carriers we work with, and a licensed human agent on our team handles every enrollment. We are paid by the insurance companies when you enroll, not by you. We are currently licensed in 37 states (listed below), and you can verify our license for free at nipr.com.

1. Who we are

ShopHealthcare (the website at shophealthcare.com, including the marketing pages we sometimes refer to internally as the "37b" homepage) is owned and operated by:

"ShopHealthcare," "we," "us," and "our" in this document and across the site mean Core Value Insurance Associates, LLC.

2. What we are — and what we are not

We want this to be clear, because health coverage is easy to get confused about.

We are

We are not

3. What we offer

We help you shop private, off-exchange health coverage. Our flagship product is Health ProtectorGuard ("HPG"), a fixed-indemnity / supplemental-style product, often paired with supplemental add-ons such as accident coverage. If the flagship product is not a good fit for your situation, we may route you to a broader catalog of other private coverage options from the carriers we work with.

Some important points about what that means:

4. Nora, our AI assistant, and how enrollment actually happens

"Nora" is an AI enrollment assistant that helps you ask questions, compare options, and gather the information needed to apply. To be clear:

For more on how Nora collects and uses information, see our Privacy Policy and our Health Data Practices notice.

5. How we are paid

You do not pay us a separate fee to shop or to use the site. When you enroll in coverage through us, the insurance carrier compensates us — typically as a brokerage commission, and in some cases as another carrier-paid fee or override. Our compensation is built into the standard pricing of the products and does not increase the premium you would otherwise pay the carrier for the same plan.

The exact compensation model can vary by carrier and by product (for example, commission as a percentage of premium, a flat per-policy amount, or a combination). We have described the model above as a carrier-paid brokerage commission/fee; the precise structure for each product is set in our agreements with the carriers and is identified in this document as an item to confirm (see "Open items / to confirm"). You may ask us how we are compensated on any product before you enroll.

Premiums and any payment for the coverage itself are collected by the insurance carrier at enrollment, not by ShopHealthcare.

6. Carrier relationships and trademarks

We place coverage with a number of insurance carriers. Those carriers are independent companies. Any carrier names, logos, product names (including "Health ProtectorGuard"), and other marks that appear on the site are the property of their respective owners and are used only to identify the products and carriers we work with. Their appearance on the site does not imply that any carrier sponsors, endorses, or is otherwise affiliated with ShopHealthcare beyond our broker relationship with that carrier.

7. Where we are licensed

Core Value Insurance Associates, LLC holds insurance producer (agency) licenses in the states listed below. We can only solicit, recommend, or place coverage for residents of states where we hold the required license at the time of the transaction. State licensing is the only hard gate on whether we can help you — if we are not licensed in your state, we will not enroll you there.

Licensed states (37)

As of our most recent license sync (June 18, 2026), we are licensed in the following 37 states:

This 37-state list is the operative source of truth for where we are licensed. License numbers for each state are on file and can be verified at no cost through the National Insurance Producer Registry (see Section 8).

License numbers currently published on the site

For convenience, the site footer publishes license numbers for the following states. These are individual examples and do not represent the full list of states in which we are licensed (the complete list is the 37 states above):

StateAgency license number
Florida (FL)L127397
Colorado (CO)933526
Kentucky (KY)DOI-1446300
Nevada (NV)4193103
Tennessee (TN)3004076567

Important note about "50 states" claims

Some marketing copy on the site may state or imply that we are "licensed in all 50 states." That is not accurate, and it should not be relied on. We are currently licensed in the 37 states listed above — not all 50. The footer's published license numbers (5 states) and any "50 states" marketing claim do not match our actual licensing footprint. To avoid any confusion, treat the 37-state list in this document as authoritative, and treat "all 50 states" as an over-statement that does not reflect where we can actually do business. We are working to correct the marketing copy and to publish (or make verifiable) the license number for every state in which we are licensed. If you ever see a conflict between marketing copy and this page, this page controls.

8. How to verify our license

You can verify Core Value Insurance Associates, LLC's licensing for free, in any state, through the National Insurance Producer Registry (NIPR):

  1. Go to nipr.com.
  2. Use the "Licensee Lookup" / "PDB" (Producer Database) search.
  3. Search by our NPN: 19482230 (or by our business name, Core Value Insurance Associates, LLC).
  4. The results will show the states where we hold an active license and our license status in each.

You may also look us up directly with any individual state's Department of Insurance using the tools described in Section 9.

9. Questions, complaints, and your state Department of Insurance

If you have a question or concern about how we marketed, recommended, or placed coverage, please contact us first — we want the chance to make it right. You can reach Core Value Insurance Associates, LLC at the address in Section 1, or through the contact details on our Communications page.

You also always have the right to contact your state insurance regulator. Each state has a Department of Insurance (sometimes called the Division of Insurance or Department of Financial Services) that licenses producers and handles consumer complaints. To find and contact yours:

For example, Florida residents can contact the Florida Department of Financial Services / Division of Consumer Services at myfloridacfo.com/division/consumers.

10. Related disclosures

This page is the canonical source for our licensing and broker disclosures. For related information, see:

11. Changes to this page

We may update this page as our licensing footprint or business practices change. When we do, we will update the "Effective date" at the top. We recommend verifying our current licensing at nipr.com using NPN 19482230 before you enroll.