Terms of Use
Please read these terms before using this website.
Purpose of This Site
Education and advisory navigation only
Southeastern Massachusetts Health Insurance Solutions (SMA-HIS) is an educational and advisory navigation website operated by Apex Benefits Partners. It is provided to help Plymouth and Bristol County employers understand general healthcare and health insurance concepts and compare realistic options. SMA-HIS is not an insurance company, does not sell or underwrite insurance, and does not guarantee eligibility, pricing, or availability of any option described on this site.
Not Professional Advice
What this site is not a substitute for
Nothing on this website constitutes legal, tax, actuarial, medical, or underwriting advice. Content is general in nature, educational in purpose, and may not apply to your specific situation. Before making any benefits, coverage, or financial decision, consult a qualified, licensed professional — an insurance advisor, attorney, accountant, or medical provider, as appropriate.
Not an Association Health Plan
How the options on this site actually work
This website is not an Association Health Plan, pooled-risk program, or insurance product. Every option described on this site — fully insured, small-group, level-funded, or captive — is evaluated individually for your group at quote time. Rates, underwriting, provider networks, savings, and product availability vary by employer and must be verified directly with the applicable carrier or program at the time of quote.
Accuracy of Information
Rates and figures may change
Statistics and figures referenced on this site are sourced and cited where they appear. Rate figures referenced, including any 2027 figures, reflect proposed rate filings submitted to the Massachusetts Division of Insurance (DOI) pending regulatory review, unless specifically noted as final. These figures are subject to change upon final DOI determination, expected in August 2026, and should not be relied upon as final or guaranteed. See Rate Trends & Market Reality for full sourcing.
Protected Health Information
Do not submit PHI through this site
Do not submit protected health information (PHI) through any form on this website. Forms on this site are for general inquiry purposes only and are not intended for enrollment, claims, or the exchange of medical information.
External Links
Third-party sites are not ours
This website may link to third-party websites, including carrier, state agency, and sister-resource sites (such as Rhode Island Health Insurance Solutions and Cape Cod Health Insurance Solutions, also operated by Apex Benefits Partners). We do not control and are not responsible for the content, accuracy, or privacy practices of those third-party sites.
Limitation of Liability
Use this site at your own discretion
This website and its content are provided "as is," without warranties of any kind, express or implied. To the fullest extent permitted by law, Apex Benefits Partners and SMA-HIS are not liable for any damages arising from your use of, or reliance on, this website's content.
Intellectual Property
Site content belongs to Apex Benefits Partners
The text, design, and branding of this website are the property of Apex Benefits Partners unless otherwise noted, and may not be reproduced or redistributed without permission.
Governing Law
Massachusetts law applies
These terms are governed by the laws of the Commonwealth of Massachusetts, without regard to conflict-of-law principles.
Required Disclaimers
Stated in full
This site provides education and advisory navigation, not legal, tax, actuarial, medical, or underwriting advice.
This is not an Association Health Plan, pooled-risk program, or insurance product.
Rates, underwriting, provider networks, savings, and product availability vary by employer and must be verified at quote time.
Do not submit PHI through website forms.
Changes to These Terms
We may update these terms over time
We may revise these Terms of Use periodically. Continued use of this website after changes are posted constitutes acceptance of the revised terms.
Last updated: 2026.
Questions about these terms?
Reach out and we'll be glad to answer.