Privacy Policy
Affordable Health Coverage ("we," "us," or "our") is an independent health insurance brokerage. This Privacy Policy explains what information we collect, how we use and share it, and the choices you have when you visit start.affordablehealthcoverage.com or contact us for advisory services. We are a broker — we help match you with plans offered by third-party insurance carriers; we do not underwrite or issue insurance ourselves.
Information we collect
Information you give us. When you submit our contact form, call, email, or text us, or speak with an advisor, we collect the information you choose to provide. This typically includes:
- Contact details: name, email address, and phone number.
- Your message and inquiry details: anything you write in the form or share during a consultation.
- Coverage-related information: details needed to identify suitable plans — such as your household, dates of birth, ZIP code, income range for subsidy estimates, and general health or coverage needs. We collect only what is reasonably necessary to advise you, and we treat this information as confidential.
Information collected automatically. Like most websites, when you visit, our hosting and security providers and (where enabled) analytics tools may automatically log technical data such as your IP address, browser and device type, the pages you view, and the site you came from. This is used to operate the site, keep it secure, and understand usage.
How we use your information
- Respond to your inquiries and provide advisory services
- Compare and present health insurance plan options relevant to your situation
- Submit applications and complete enrollment with carriers at your direction
- Communicate with you by phone, email, and text about your inquiry, coverage, renewals, and policy changes
- Operate, secure, and improve our website
- Prevent fraud and abuse, and comply with applicable laws and regulations
Text messaging (SMS)
If you provide your mobile number and opt in, we may send you text messages related to your insurance inquiry — for example, to schedule or confirm a callback, follow up on an application, or answer questions about your coverage. Message frequency varies based on your interaction with us.
- Opt out: reply STOP at any time to stop receiving texts. We will send one confirmation message and then no further texts unless you opt in again.
- Help: reply HELP for assistance.
- Message and data rates may apply. Carriers are not liable for delayed or undelivered messages.
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text-messaging opt-in data and consent are never shared with any third parties. We may share information only with service providers that help us deliver the messaging (for example, our messaging platform), strictly to support the service.
Consent to be contacted
By submitting our form or otherwise giving us your contact information, you consent to be contacted by Affordable Health Coverage by phone, email, and text message regarding your inquiry and possible coverage, including by automated means where applicable. Consent to receive marketing or autodialed messages is not a condition of purchasing any product or service, and you may withdraw consent at any time as described above.
Cookies and analytics
Our website uses only the cookies needed to function and stay secure. Our security and bot-protection provider may set cookies to distinguish humans from automated traffic. If we enable a web analytics tool (such as Google Analytics), it may set cookies to measure how the site is used in aggregate. You can block or delete cookies in your browser settings, though some features may not work as intended. We do not currently respond to browser "Do Not Track" signals.
Data security
We use reasonable technical and organizational measures to protect your information against unauthorized access, alteration, disclosure, or destruction. No method of transmission or storage is completely secure, however, and we cannot guarantee absolute security.
Data retention
We keep your information for as long as needed to provide our services, maintain your coverage relationship, and meet our legal, regulatory, and recordkeeping obligations. When information is no longer needed, we take reasonable steps to delete or de-identify it.
Your privacy rights
Depending on your state of residence, you may have rights to access, correct, delete, or receive a copy of your personal information, and to opt out of the "sale" or "sharing" of personal information (we do not sell or share your personal information for cross-context behavioral advertising). To exercise any of these rights, contact us at (786) 591-0179. We will not discriminate against you for exercising your rights, and we may need to verify your identity before responding.
Children's privacy
Our website is intended for adults and is not directed to children under 13. We do not knowingly collect personal information from children under 13. If you believe a child has provided us information, contact us and we will delete it.
Third-party links
Our site may link to third-party websites (for example, carrier or government enrollment sites). We are not responsible for the privacy practices of those sites; please review their policies separately.
Changes to this policy
We may update this Privacy Policy from time to time. The "Last updated" date above reflects the most recent revision. Material changes will be posted on this page, and continued use of our website after changes take effect constitutes acceptance of the revised policy.