1. Introduction
Agency ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit aca.advantagelifeandhealth.com (the "Site") and utilize our enrollment services for the Affordable Care Act (ACA). By accessing the Site or submitting your information, you consent to the data practices described in this policy.
2. Information We Collect
To properly assess your eligibility for health insurance subsidies (Advance Premium Tax Credits) and effectuate enrollment, we must collect detailed personal and financial data, including:
- Personally Identifiable Information (PII): Name, address, email, phone number, date of birth, and Social Security Number (SSN) for you and your dependents.
- Financial & Household Information: Estimated annual income, tax filing status, household size, and current insurance coverage status.
- Protected Health Information (PHI): Data regulated under HIPAA required to evaluate coverage options.
- Digital Fingerprint Data: IP address, browser metadata, and localized timestamp for strict compliance auditing and fraud prevention regarding electronic signatures.
3. TCPA & Communication Consent
By submitting your information on this Site, you provide explicit, written consent under the Telephone Consumer Protection Act (TCPA) for Agency and its licensed agents to contact you regarding health insurance products.
- You consent to be contacted via live agent, automated dialing systems, artificial/pre-recorded voice messages, and SMS text messages at the phone number provided.
- Message and data rates may apply. You may opt out of SMS communications at any time by replying "STOP".
- Consent is not a condition of purchase. You may choose to request a quote or enroll by calling us directly at (555) 555-5555 instead of using our digital forms.
4. ACA Marketplace & Agent Authorization
By engaging our services and signing our electronic consent forms, you provide authorization for Agency (and our designated National Producer Numbers) to act as your Agent of Record for the Federally-Facilitated Marketplace (Healthcare.gov) or relevant State-Based Exchange. This authorization permits us to:
- Search for an existing Marketplace application.
- Complete an application for eligibility and enrollment in a Qualified Health Plan or other government affordability programs.
- Provide ongoing account maintenance and respond to Marketplace inquiries regarding your application for the next 12 months, or until you revoke this consent.
- Access your eligibility results, which may include details on your income and citizenship status.
5. HIPAA & Data Security
We treat your data with enterprise-grade security protocols. We implement administrative, physical, and technical safeguards to protect the confidentiality and integrity of your PII and PHI. Your data is encrypted at rest and in transit. We will never sell your information to third-party lead aggregators.
6. How We Share Your Information
Your personal data is strictly siloed and only transmitted to authorized entities required to fulfill your insurance request:
- Government Exchanges: Centers for Medicare & Medicaid Services (CMS) and the Health Insurance Marketplace to verify eligibility.
- Insurance Carriers: The specific health insurance provider you choose to enroll with to underwrite and issue your policy.
- Compliance Audits: Law enforcement or regulatory bodies if compelled by subpoena or to investigate fraudulent enrollments.
7. Your Rights Regarding Your Data
You maintain control over your personal data. You have the right to:
- Revoke your Marketplace Agent Authorization at any time.
- Request a copy of the PII/PHI we have on file.
- Request correction of inaccurate information.
- Request deletion of your data (subject to strict data retention laws mandated by CMS and state departments of insurance, which typically require records be kept for 10 years).
8. Application Attestation & Fraud Prevention
By utilizing this Site to apply for coverage, you attest under penalty of perjury that all information provided—including estimated household income, dependents, and current coverage status—is true and accurate to the best of your knowledge. Providing false information to falsely obtain federal subsidies is a federal crime and will result in the immediate termination of our services and potential reporting to CMS.
9. Contact Us
To revoke consent, modify your data, or report a compliance concern, contact our privacy officer at: