Terms of use
Last updated: October 2, 2026
These terms cover your use of this website, which belongs to Fabiane Araújo, a licensed health insurance agent in Florida, and her agency, FAC INSURANCE LLC. By using the site you agree to them. They are short and written in plain language.
What this site is for
This site explains, in general terms, how Obamacare and Medicare work and how Fabi can help you enroll. It is information, not legal, tax, or medical advice, and it does not replace the official rules published by HealthCare.gov, Medicare.gov, or the insurance companies.
No guarantee of coverage or price
Eligibility, premiums, subsidies, and benefits are decided by the Marketplace, Medicare, and each insurance company when you apply. Examples on this site, including plans that start at $0 per month, describe what is possible for people who qualify, not a promise for your situation. The plan documents you receive at enrollment are what count.
Talking to Fabi
The buttons on this site open a WhatsApp chat or an email, and the contact form lets you leave a message. Starting a conversation does not make Fabi your agent; that happens when you complete an application with her. She replies personally and usually the same day, but not instantly. Only share personal documents when she asks for them, and see the privacy notice for how messages are handled.
Text messages (SMS)
FAC INSURANCE LLC sends text messages only to people who opt in. There are two kinds: customer care messages (replies to your questions, appointment reminders, and enrollment updates) and, only if you separately agree, marketing messages (open-enrollment reminders and plan news).
You must be 18 years of age or older to use this SMS service. You opt in by checking a text-message consent box on the contact form on this site. Each box starts unchecked and is optional: you can send the form without checking either one. Customer care texts and marketing texts each have their own, separate box. Consent is not a condition of any purchase.
Message frequency varies. Message and data rates may apply. Reply STOP to any message to opt out; you will receive one message confirming it and no further texts. Reply HELP for help, or contact fabianearaujomedicare@gmail.com or WhatsApp +1 (689) 250-1890.
Carriers are not liable for delayed or undelivered messages. Mobile numbers and text-message consent are never shared or sold to third parties for marketing; see the privacy notice at fahealthinsurance.com/privacy.
Content and names
The text and photos on this site belong to Fabiane Araújo or are used with permission, and may not be copied for commercial use without asking. Obamacare, Medicare, and HealthCare.gov are government programs and names; they appear here to describe the services, and this site is not affiliated with or endorsed by any government agency.
Other sites and tools
Links to WhatsApp, Instagram, and Google take you to services with their own terms and privacy policies. The advertising tools described in the privacy notice are provided by Google and Meta under their terms.
Limits of responsibility
The site is provided as is. To the extent Florida law allows, Fabiane Araújo is not responsible for losses that come from relying on general information on this site instead of the official plan documents or a conversation about your situation. Nothing here limits rights you have under Florida or federal law.
Changes and contact
These terms may change when the site changes; the date above shows the current version. Florida law applies.
Questions go to Fabiane Araújo, FAC INSURANCE LLC · fabianearaujomedicare@gmail.com · WhatsApp +1 (689) 250-1890.