Privacy Policy
Effective Date: 2-1-26
Last Updated: 2-1-26
This Privacy Policy explains how information is collected, used, disclosed, and protected when you visit this website, request information, or work with a licensed health insurance agent for plan quotes, enrollment assistance, or related services.
Because health insurance services may involve sensitive personal and health-related information, information is handled in accordance with applicable federal and state laws, including the Health Insurance Portability and Accountability Act (HIPAA), where applicable.
1. Information That May Be Collected
Information may be collected directly from you, automatically through website usage, or from authorized third-party sources as necessary to provide services.
Personal Information
- Name
- Address
- Email address
- Phone number
- Date of birth
- Social Security number (when required for enrollment)
- Government-issued identification (when required for verification)
Health Information
When assisting with insurance quotes or applications, information may include:
- Medical history
- Current prescriptions
- Health conditions
- Physician information
- Prior coverage details
Health information is collected only when necessary to provide insurance-related services.
Financial Information
- Household income (for subsidy eligibility determination)
- Payment information when assisting with premium setup
Technical Information
When visiting this website, certain information may be automatically collected, including:
- IP address
- Browser type
- Device type
- Pages viewed
- Date and time of access
This information is used to improve website performance and user experience.
2. How Information Is Used
Information collected may be used to:
- Provide health insurance quotes and plan comparisons
- Assist with applications and enrollment
- Determine eligibility for subsidies or government programs
- Communicate with insurance carriers or government marketplaces
- Respond to inquiries or customer service requests
- Comply with legal, licensing, and regulatory requirements
- Improve website functionality and services
Personal or health information is not sold to third parties.
3. How Information May Be Shared
Information may be shared only when necessary to provide requested services or comply with legal obligations, including:
- With licensed insurance carriers for quoting, underwriting, and enrollment
- With federal or state health insurance marketplaces (such as Healthcare.gov or state exchanges)
- With contracted service providers who support business operations under confidentiality agreements
- When required by law, subpoena, regulatory request, or audit
All reasonable efforts are made to ensure that third parties receiving information maintain appropriate safeguards.
4. HIPAA and Health Information
When applicable, Protected Health Information (PHI) is handled in accordance with HIPAA standards. Administrative, technical, and physical safeguards are maintained to protect health-related information from unauthorized access, use, or disclosure.
Individuals may have rights regarding their health information under HIPAA and applicable state laws.
5. Data Security
Reasonable security measures are implemented to protect collected information, including:
- Secure transmission protocols
- Password-protected systems
- Restricted access to sensitive data
- Secure document storage practices
While safeguards are in place, no method of transmission over the internet can be guaranteed to be completely secure.
6. Cookies and Tracking Technologies
This website may use cookies or similar technologies to:
- Enhance user experience
- Analyze website traffic
- Improve functionality
Users may adjust browser settings to disable cookies; however, certain features of the website may not function properly.
7. Your Privacy Rights
Depending on your state of residence, you may have rights that include:
- Requesting access to personal information
- Requesting correction of inaccurate information
- Requesting deletion of certain information (where permitted by law)
- Opting out of certain communications
Requests regarding personal information may be submitted through the contact method listed on this website.
8. Third-Party Websites
This website may contain links to third-party websites, including insurance carriers or government marketplaces. The privacy practices of those websites are governed by their own policies and are not controlled by this site.
9. Data Retention
Information may be retained for as long as necessary to:
- Provide insurance-related services
- Comply with legal and regulatory requirements
- Maintain required business and licensing records
When no longer required, information is securely disposed of in accordance with applicable regulations.
10. Children’s Privacy
Services are not directed toward individuals under 18 years of age. Personal information is not knowingly collected from minors without appropriate authorization.
11. Updates to This Policy
This Privacy Policy may be updated periodically. Updates will be reflected by the “Last Updated” date at the top of this page. Continued use of the website constitutes acceptance of any changes.
12. Contact
Questions regarding this Privacy Policy may be directed through the contact information provided on this website.