Thank you for your interest in eHealthInsurance Services, Inc.
and operated by eHealthInsurance, and our other websites where we post this document as the applicable Privacy
Policy, along with any related websites, networks, applications, insurance agent and representative services, and
communication channels (including online chat and telephone call centers), and other services provided by us:
You can learn about our commitment to privacy with this Policy describing how we collect, use, share and secure the
personal information you provide. It also describes your choices regarding use, access and correction of your
At eHealthInsurance, we are strongly committed to protecting your privacy. To serve as your licensed insurance agent,
we will ask you to provide us with personal information about you. We use your personal information to help you find
and, if you choose to do so, apply for health insurance and other products that may be of interest to you and your
family. We only use and disclose your personal information in accordance with our Policy. Additionally, we use
industry-leading technologies to ensure the security and confidentiality of the personal information you provide us.
Throughout this Policy, we refer to information that can identify you as a specific individual, such as your name,
phone number, email address, Social Security number or credit card number, as “personal information”.
Further, personal information includes any information about your health or medical history that you may provide us
in a health insurance application or any financial or other sensitive personal information that you may provide us
in an application to obtain an advanced premium tax credit (or “subsidy”) determination from the government. If you
provide information directly to one of our partners or any other third party, then your information would be
or data use concern that we have not addressed satisfactorily, please contact our U.S.-based third party dispute
resolution provider (free of charge) at https://feedback-form.truste.com/watchdog/request.
1. We do not disclose your personal information to third parties, unless one of the following limited exceptions
Administrators, and Government-run Exchanges and Entities
If you submit an application for an insurance product offered by us, then we will disclose your
personal information to your chosen insurance company to process your application. If you submit a request for
information or an application for an insurance product offered through an insurance agent, agency or other
business partner with whom we associate or contract, then we may disclose your personal information to that
agent, agency or business partner to process your request for information or application or to otherwise provide
you with information about insurance products (including contacting you by telephone, email, or otherwise to
discuss insurance products in which you may be interested). If you complete an enrollment form for a health
savings account (“HSA”) offered through an authorized HSA trustee or administrator with whom we have associated,
then we may disclose your personal information to that trustee or administrator to enroll you in an HSA. If you
complete an application with us that is processed through a government-run exchange or other government-run
entity, we will disclose your personal information to that government-run exchange or entity. Please be assured
that these partners are only allowed to use your personal information to process your requested quote,
application or enrollment form and are legally obligated to maintain strict confidentiality.
We may disclose your personal information to other companies
that help us to process or service any application you begin, process or submit through us, or to correspond
with you. For example, we may provide your personal information to a service provider to verify the validity
or credit limit of your credit card. Please be assured that the companies we hire to process or service your
insurance application or correspond with you are not allowed to use your personal information for their own
purposes and are contractually obligated to maintain strict confidentiality.
If you were referred to us by, or use our website or call center in connection with, a current or
former employer, affinity group, or other organization with which you may be affiliated (or a benefits
administrator or consultant associated with such employer, group or organization), we may disclose your personal
information to such employer, group, organization, administrator and/or consultant. For example, we may inform
such employer, group, organization, administrator and/or consultant whether or not you have enrolled in a plan.
Please be assured that these parties are only allowed to use your personal information as permitted by
In certain situations, eHealthInsurance may be required to disclose personal data in response to lawful
requests by public authorities, including to meet national security or law enforcement requirements.)
We may also disclose your personal information as required by law, such as to comply with a subpoena, or
similar legal process. We may disclose or report your personal information when we believe, in good faith,
that the disclosure is required or permitted under law, for example, to cooperate with regulators or law
enforcement authorities, to resolve consumer disputes, to protect our rights, to protect your safety or the
safety of others, to investigate fraud, or to otherwise respond to a government request.
If eHealthInsurance is involved in a merger, acquisition, or sale of all or a portion of its
assets, you will be notified via email and/or a prominent notice on our website of any change in ownership or
uses of your personal information, as well as any choices you may have regarding your personal information.
If you provide us an indication of your consent to disclose, share or use your personal
information in connection with a third party, we may disclose, share or use your personal information in that
manner. For example, if you opt in to our social media mailing lists and promotional updates, then we may
disclose your relevant personal information to social media platforms where eHealthInsurance has a corporate
account for the purpose of adding you to eHealthInsurance’s social media mailing and promotional update lists.
Generally in such a situation, the social media platforms are not allowed to use your personal information for
their own purposes unless you have a direct account on such social media platforms, in which case your personal
information would be handled by the social media platforms in accordance with the social media platforms’
If you request to be contacted about any type of insurance product, request to be contacted by a licensed agent
or other representative, request assistance with enrolling in any type of insurance product or make any other
request for someone to contact you (such as by filling out an online request form), then our agents or
representatives may contact you, or we may disclose your personal information to a third-party insurance agency,
insurance agent, insurance company or other appropriate entity, so that such entity may contact you about any
product in which you indicated interest or may assist you in enrolling in any such product. Any additional
information that you subsequently choose to provide to any third-party entity will be governed by that entity’s
Outside of these exceptions, we will not sell, trade or share your personal information with third
2. We collect personal information in the normal course of business in order to process your insurance application
and to serve you better.
Registering With Us
We begin collecting personal information from you when you register with us. You may register
with us through our website by entering your email address and, if you are creating an account, choosing your
password. Under our current process, you must create an account in connection with an application for a health
insurance or other product offered on our website. You may also register with us through our Customer Care
Center by providing certain personal or contact information (e.g., email address, phone number, gender, date of
birth) to one of our customer service representatives.
If you apply for a health insurance or other product through our website, we may ask you to
provide us with personal information and/or health information relating to you and any family member who will be
included on your application. This information will be used by your chosen insurance company, agent, HSA trustee
or administrator, or government-run exchange or entity to process your application. Additionally, we may ask you
to provide us with your credit card, bank information and social security number, which will be used by your
chosen insurance company or HSA Trustee or Administrator to process your application or collect any fees
associated with your application or insurance premiums upon approval of your application. If you apply through
us for government health insurance subsidies or for health insurance sold through a government-run exchange, we
will ask you for personal information, including financial, tax filing and household information, that we will
pass on to government-run sites and entities responsible for processing such subsidies and applications.
Providing you with a quote or processing your application
We may use your personal information to get in touch with you when necessary to process your
application or to provide you with a quote. For example, emails will be sent to you throughout the application
process to inform you of the status of your application and to seek additional information that is requested as
part of the application. We may also use phone numbers you provide to send you telephone or text messages about
your application or account, and such messages may be automatically sent with an autodialer, an artificial or
prerecorded voice, or other automation technology.
We may receive information about you from other sources, including publicly available databases
or third parties from whom we have obtained data, and combine this data with information we already have about
you. This helps us to update, expand and analyze our records, identify new customers, and provide products and
services that may be of interest to you. Examples of the types of personal information that may be obtained from
public sources or third parties and combined with information we already have about you, may include: (a)
address information from third party sources to verify your address so we can properly communicate with you and
to prevent fraud and/or (b) data about our customers from third parties that is combined with information we
already have about you, to create more tailored advertising and products.
We or our wholly-owned subsidiaries may contact you to survey your satisfaction of our service,
refer our products and services to other people, and/or to inform you of additional products and services. You
may opt out of receiving these additional communications from us by following the opt-out procedures below.
You may also provide personal information about other people, such as their
name, date of birth and gender. This information is only used for the sole purpose of completing your
request or for whatever reason it may have been provided. The third party may contact us at email@example.com to request that
we remove this information from our database.
1. We gather non-directly identifying information about you for our internal purposes, and we may share this
non-directly identifying information with third parties.
- As is true of most web sites, we may gather certain information automatically or
systematically and store it in log files. This information may include aggregate demographic information
such as the number of visitors to our website from a particular state or browser information such as
browser type, device type, geographic region, IP address, and other non-directly identifying
information. We may combine this automatically or systematically collected data with other information
we collect about you. We may do this to improve or optimize our services, marketing, analytics, site
functionality, service offerings, or for other business needs.
- The strict restrictions we have in place for personal information do not necessarily apply
to non-directly identifying information. Because non-directly identifying information is designed to not
directly identify individuals, if we change the way we use such information after we have collected it,
we may be unable to contact you to notify you of such change.
- We use non-directly identifying information primarily for marketing purposes and to improve
our websites and the services we offer you, and we may disclose this information to third parties.
tags and other similar monitoring technologies to gather non-directly identifying information. For a
more detailed discussion on cookies and clear gifs, please see below. Because such technologies develop
quickly, we are not limited to using only the technologies described in this policy for collecting or
handling this type of information.
2. We protect the confidentiality and security of your personal information.
- We maintain generally accepted standards for physical, electronic and procedural safeguards to protect
your personal information.
- For a more detailed discussion of the electronic safeguards on our website, please see below.
3. We continue to evaluate our efforts to protect your personal information and make every effort to keep
your personal information accurate and up to date.
- Upon request eHealthInsurance will provide you with information about whether we hold any of your
personal information. If your personal information changes, or if you otherwise want to correct, update
or delete your personal information held by us, you may contact us by email at
firstname.lastname@example.org or by mail at
Customer Service, eHealthInsurance.com
11919 Foundation Place Suite 100
Gold River, CA
Additionally, you may update your name, email address and password by clicking on the “Sign in” or “My
Account” link on this website and signing in using your email address and password. We will respond to your
request to access within a reasonable timeframe.
- We will retain your information for as long as your account is active or as needed to provide you
services. We will retain and use your information as necessary to comply with our legal obligations,
resolve disputes, and enforce our agreements.
- Please note that once your application has been submitted to your chosen health insurance company or any
other relevant party (such as the federal government in the case of an application involving advanced
premium tax credits) you may have to contact the insurance company or such other party directly to
update your application.
4. We will provide notice of changes in our personal information privacy practices.
- If we are going to use your personal information in a manner materially different from that stated at
the time of collection, we will notify you via email (sent to the email address specified in your
account) or by means of a notice on the website prior to the change becoming effective. You will have a
choice as to whether or not we use your personal information in this different manner.
- If we make any material changes to our personal information privacy practices that do not affect the
personal information already stored in our database, we will notify users of the change in the privacy
portion of our website. We may not be able to contact you regarding any change in use or disclosure of
your non-directly identifying information because non-directly identifying information is designed to
prevent us from being able to do so.
5. You may opt out of receiving satisfaction surveys and/or information on additional products and services
- We may contact you to survey your satisfaction of our service and/or to inform you of additional
products and services.
- If you wish to subscribe to our newsletter(s), we will use your name and email address to send the
newsletter to you. Out of respect for your privacy, you may choose to stop receiving our newsletter or
marketing emails by following the unsubscribe instructions included in these emails, accessing the email
preferences in your account settings page or you can contact us at email@example.com.
- If you want to opt out of these surveys and/or notices, you may contact us by email at firstname.lastname@example.org or by
Customer Service, eHealthInsurance.com
11919 Foundation Place Suite 100
Gold River, CA
- Please note that you will still receive communications from us regarding your insurance quote,
application, policy or advanced premium tax credit even if you opt out of receiving our surveys and/or
notices of additional products and services.
privacy practices. If you have any questions, please email us at email@example.com. We will respond to your
questions within 30 days.
owned and/or operated by eHealthInsurance.
us through this website and those websites listed above. . Accordingly, all of the personal information
you submit to us after initiating an application on this website shall be governed by this privacy
policy. Additionally, all of the non-directly identifying information collected from this website shall
- If you are returning to complete an application that you initiated on another website that is owned or
the information privacy practices that apply to the personal information you submit to us.
- If you want your personal information to be subject to the information privacy practices described in
Additional Information About Privacy and Security at eHealthInsurance
Cookies or similar technologies are used by us and our business and marketing partners, affiliates, and/or
analytics or service providers. These technologies are used in analyzing trends, administering this and
other sites, tracking users’ movements around this site and other sites, customizing content on this and
other sites, and gathering information about our user base. We may receive reports based on the use of these
technologies by these companies on an individual as well as aggregated basis.
level. If you reject cookies, you may still use our site, but your ability to use some features or areas of
our site may be limited.
We use Local Storage, such as HTML5, to store content information and preferences. Third parties with whom we
partner to provide certain features on our site or to display advertising based upon your Web browsing
activity use Local Storage Objects (LSOs) such as HTML 5 or Flash to collect and store information. Various
browsers may offer their own management tools for removing HTML5 LSOs. To manage Flash LSOs please click
We partner with one or more third party ad networks to manage and display
advertising to visitors on our website and to manage and display advertising viewed by visitors on other
your activities on this and other websites to provide you targeted advertising based upon your interests
and browsing patterns. Such activity is often called behavioral targeting or re-targeting, and this may
change the ads or other features you see on our website or other websites that you visit. If you wish to
not have this information used for the purpose of serving you targeted ads, you may opt-out of specific
re-targeting programs by clicking here or for the NAI opt-out site here. These opt-out programs may not
be designed to work for all advertising networks or methods. Your browser may also have settings to
reduce re-targeting, such as switching to (In)private or incognito browsing mode or a mode that does not
accept cookies. Currently, our site does not change its behavior based on receiving your browser’s
“do-not-track” setting or signal. Please note that opting out of re-targeting does not opt you out of
being served advertising. You will continue to receive generic ads instead of tailored ads.
Any time you enter or provide personal information and sensitive
information (such as credit card number and social security number) in our website, we encrypt it using
Secure Socket Layer (“SSL”) technology. SSL protects information as it crosses the Internet. To support this
technology, you need an SSL-capable browser. eHealthInsurance recommends using encryption at least as strong
as the 128-bit encryption available in browsers such as recent versions of Microsoft’s Internet Explorer or
Google’s Chrome browser. These browsers will activate SSL automatically whenever you begin shopping for a
plan on our website and when you return to our website to complete an application.
In most browsers, you will see either a locked padlock or a key icon to indicate your session connection is
taking place via a secure server. This icon indicates you are visiting a secure area within a website.
If you need a strong encryption browser, you can go to the Microsoft website or the Google website to
download the latest Internet Explorer or Chrome browser. We do not recommend the use of beta browser
No method of transmission over the Internet, or method of electronic storage, is 100% secure, however.
Therefore, we cannot guarantee its absolute security. If you have any questions about security on our Web
site, you can contact us at firstname.lastname@example.org
The password you enter when you begin an application on our website is your private entry key into your
application. You should never share it with anyone.
If you forget your password, we can send your password through email (provided that you gave us your email
address as your user ID when you created an account on our website) or we can help you retrieve your
password by calling us toll free at 800-977-8860 or contacting us through the chat function on our website.
For security reasons to guard the safety of your data, access to this website is limited to SSL-capable
browsers such as recent versions of Microsoft’s Internet Explorer or Google’s Chrome. Under no circumstance should you use any software,
program, application or any other device to access or log-in to the eHealthInsurance website, or to automate
the process of obtaining, downloading, transferring or transmitting any content to or from our computer
systems, website or proprietary software.
Our website contains links to other websites. Please note that when you click on one of these
links you are “clicking” to another website. eHealthInsurance is not responsible for the information privacy
practices or the content of such websites. We encourage you to read the privacy policies of these linked
websites as their information privacy practices may differ from ours.
Our website offers publicly accessible blogs or community forums. You should be aware that any
information you provide in these areas may be read, collected, and used by others who access them. To request
removal of your personal information from our blog or community forum, contact us at email@example.com. In some cases, we may not be able to
remove your personal information, in which case we will let you know if we are unable to do so and why.
We display personal testimonials of satisfied customers on our site in addition to other
endorsements. With your consent we may post your testimonial along with your name. If you wish to update or
delete your testimonial, you can contact us at firstname.lastname@example.org.
Social Media Features and Widgets
Our website includes social media features, such as the Facebook Like button and Widgets, such as
the Share this button or interactive mini-programs that run on our site. These features may collect your IP
address, which page you are visiting on our site, and may set a cookie to enable the feature to function
properly. Social media features and widgets are either hosted by a third party or hosted directly on our
11919 Foundation Place, Suite 100, Gold River, CA 95670
This website and its contents are for informational purposes only. Nothing on the website should ever be used
as a substitute for professional medical advice. You should always consult with your medical provider
regarding diagnosis or treatment for a health condition, including decisions about the correct medication
for your condition, as well as prior to undertaking any specific exercise or dietary routine.
The purpose of this communication is the solicitation of insurance. Contact may be made by an insurance
agent/producer or insurance company. eHealthInsurance Services, Inc. is not connected with or endorsed by
the U.S. government or the federal Medicare program.
eHealth’s Medicare website is operated by eHealthInsurance Services, Inc., a licensed health insurance