Privacy Policy & Data Safeguards
Learn how Prime Health Global protects your personal identifiable information (PII), health inquiry details, and communication preferences in strict compliance with federal and state insurance regulations.
1. Scope & Agency Overview
This Privacy Policy applies to Prime Health Global (referred to herein as "Prime Health Global", "we", "us", or "our"), operating the domain primehealthglobal.ai, our online quote calculators, inquiry intake forms, and all associated advisory telephone and digital communications.
Prime Health Global is an accredited, independent US health insurance agency with physical advisory desks located in Miami and Tampa, Florida. Our licensed agents connect individuals, families, and commercial small businesses with federally compliant Affordable Care Act (ACA) marketplace health plans, group coverage, medical indemnity options, and dental/vision benefits across top-tier carriers.
By accessing this website, requesting a healthcare plan comparison, or communicating with our credentialed advisors, you acknowledge the data handling practices described in this document.
2. Categories of Information We Collect
To generate accurate insurance premium estimates, verify federal poverty level (FPL) subsidy calculations, and assist with carrier enrollment, we collect several categories of information:
A. Information You Voluntarily Provide
- Contact & Identification Data: Full legal name, residential address, five-digit ZIP code, primary telephone number, and email address.
- Household & Demographic Data: Household size, marital status, ages or birthdates of applicants and legal dependents, and tobacco use indicators (which affect state insurance rate filings).
- Subsidy & Income Information: Estimated annual household modified adjusted gross income (MAGI) utilized solely to calculate Advance Premium Tax Credits (APTC) and Cost-Sharing Reductions (CSR) under the ACA.
- Healthcare Preferences: Preferred primary physicians, hospital networks, or ongoing prescription medication names to verify carrier network tiering and formulary coverage.
B. Automatically Collected Technical Data
When you navigate our website, our servers automatically log technical metadata, including:
- Internet Protocol (IP) address and approximate geographic locality.
- Browser type, device hardware architecture, operating system version, and screen resolution.
- Date and time stamps, referring URLs, pages viewed, time spent per page, and navigation paths.
3. Lawful Purposes for Processing Your Information
Prime Health Global processes personal data exclusively for sanctioned insurance advisory purposes:
- Rate Calculation & Carrier Matching: Accurately matching your family or business with Qualified Health Plans (QHPs) from certified carriers in your county.
- Federal Subsidy Verification: Determining qualification for federal financial assistance under the Affordable Care Act and American Rescue Plan / Inflation Reduction Act extensions.
- Direct Advisor Consultations: Enabling our licensed advisors to connect with you via phone, email, or SMS to answer coverage questions, compare deductibles, and review provider directories.
- Application & Enrollment Facilitation: Submitting authorized health plan enrollment applications directly to insurance carriers or HealthCare.gov upon your explicit instruction.
- Statutory Recordkeeping: Maintaining compliance records mandated by state insurance departments and the Federal Health Insurance Marketplace (CMS).
4. Strict Zero Data Selling Guarantee
Prime Health Global does NOT sell, rent, monetize, or barter consumer information to third-party lead aggregators, marketing brokers, or unsolicited telemarketing networks. Ever.
Unlike lead-generation portals that auction consumer phone numbers to dozens of random brokers, your contact details remain strictly confidential within Prime Health Global. When you request assistance on our website, you work directly with our dedicated, licensed advisory staff in Miami and Tampa.
5. Information Sharing with Authorized Entities
We disclose personal information only to trusted parties necessary to fulfill your insurance quote request or as required by law:
- Licensed Insurance Carriers: When you elect to enroll in a health insurance plan, your application details are securely transmitted to the chosen carrier (e.g., UnitedHealthcare, Blue Cross Blue Shield, Aetna, Cigna, Humana, Kaiser Permanente, Oscar, Molina, or Ambetter) to bind coverage.
- HealthCare.gov / CMS Exchange: To verify your household's federal subsidy eligibility and submit Marketplace enrollments through approved CMS broker portal integration.
- Secure Technology Service Providers: Encrypted cloud hosting partners, database systems, and secure telecommunication gateways that operate under strict confidentiality agreements.
- Legal & Regulatory Authorities: In response to valid legal processes, state insurance department audits, court orders, or subpoenas where compliance is mandatory.
6. Telecommunications & TCPA Consent Notice
By submitting your telephone number on any form on PrimeHealthGlobal.ai, you provide your express written consent under the Telephone Consumer Protection Act (TCPA) for Prime Health Global and its licensed advisors to contact you at the number provided.
Communications may include phone calls, voicemails, or text messages (SMS) regarding your requested health insurance quote, plan comparisons, subsidy estimates, or application updates.
- For text messages: Reply STOP to any SMS received.
- For phone calls: Inform our advisor during any conversation or call our direct office line at +1 (954) 650-8021.
- Via email: Send an opt-out request to privacy@primehealthglobal.ai.
7. Data Security Safeguards & Encryption
Prime Health Global employs industry-leading technical, administrative, and physical security measures designed to protect consumer data against unauthorized access, destruction, loss, or alteration:
- 256-Bit SSL/TLS Encryption: All data transmitted between your browser and our website is protected using high-grade Transport Layer Security (TLS) encryption.
- Role-Based Access Controls (RBAC): Consumer inquiries are restricted strictly to credentialed insurance advisors and compliance staff with verified administrative permissions.
- Encrypted Database Storage: Sensitive quote details and client records are stored within protected, firewalled databases utilizing AES-256 encryption.
- Routine Security Auditing: Periodic vulnerability scans, access log tracking, and security reviews to maintain uninterrupted protection.
8. Cookies & Tracking Technologies
PrimeHealthGlobal.ai uses standard cookies and session tokens to enhance your user experience:
- Strictly Necessary Cookies: Essential for site navigation, CSRF security verification, and multi-step quote wizard form progression.
- Performance & Analytics Cookies: Anonymous aggregated metrics that help us evaluate website loading speeds, popular informational articles, and user navigation patterns.
You may configure your browser to refuse or disable cookies. However, disabling essential cookies may impact certain interactive tools, such as the subsidy calculator or multi-step quote form.
9. State-Specific Consumer Privacy Rights
Depending on your state of residence (including California, Florida, and other jurisdictions with active comprehensive privacy statutes), you may possess specific rights regarding your personal information:
- Right to Know / Access: Request disclosure of the specific pieces and categories of personal data collected about you.
- Right to Delete: Request deletion of your personal data, subject to mandatory insurance regulatory record retention laws.
- Right to Correct: Request correction of inaccurate or incomplete personal records.
- Right to Non-Discrimination: We will never discriminate against you, deny coverage, or alter premium pricing for exercising your statutory privacy rights.
To exercise any of these rights, please submit a verifiable consumer request to privacy@primehealthglobal.ai with your full name, phone number, and state of residence.
10. Data Retention & Disposal Policy
We retain consumer information only for the duration necessary to satisfy the purposes outlined in this policy, assist with ongoing policy renewals, and comply with legal, regulatory, and tax obligations.
Under insurance department guidelines established by the Florida Department of Financial Services (FDFS) and CMS, insurance agencies are generally mandated to maintain client applications and policy records for a minimum statutory period (typically 7 to 10 years). Following the expiration of statutory retention mandates, records are securely expunged or de-identified.
11. Children's Online Privacy Notice (COPPA)
Our website and insurance quote tools are directed exclusively to adults aged 18 and older. We do not knowingly solicit or collect personal information directly from children under 13 years of age.
When parents or legal guardians enroll minor dependents on family health insurance policies, dependent data is collected strictly through the verified adult applicant and processed solely for insurance underwriting purposes.
12. Contact Our Privacy Officer
If you have questions, concerns, or requests regarding this Privacy Policy or how Prime Health Global handles your personal information, please contact our Compliance Officer:
📍 Tampa Office • Tampa, FL
Hours: Mon – Fri: 9:00 AM – 6:00 PM EST