Effective Date: [ JANUARY 1, 2026 ]

Health Insurance Report Card (“we,” “us,” or “our”) respects your privacy and is committed to protecting the information you provide when using this website.

This Privacy Policy explains what information we collect, how it is used, and how it is protected.

When you submit a report or contact us, you may provide:

• Insurance company and plan type
• State where coverage was issued
• Description of a claim experience (e.g., denial, delay, appeal)
• Dates related to the experience
• Outcome information, if known
• An email address for verification or follow-up

You should not submit medical records, diagnoses, test results, or detailed personal health information.

We may collect limited technical information, such as:

• IP address
• Browser type
• Device type
• Pages visited and time spent on the site

This information is used for basic site functionality, security, and analytics.

Information collected is used to:

• Review and verify submissions
• Remove identifying details
• Aggregate reports to identify trends and patterns
• Improve site functionality and user experience
• Communicate with you regarding your submission, if necessary

We do not sell personal information.

Before any report is used publicly:

• Personal identifiers are removed
• Reports are combined with others
• Individual submissions are not published verbatim in a way that identifies a person

Publicly shared information, if any, is presented only in anonymized and aggregated form.

Health Insurance Report Card:

• Does not provide medical, legal, or insurance advice
• Does not sell insurance or act as a broker
• Does not intervene in claims or contact insurers on your behalf
• Does not share personal information for marketing purposes

We may share aggregated, anonymized data with:

• Researchers
• Journalists
• Public interest organizations

We do not share personally identifiable information unless required by law.

We take reasonable administrative and technical measures to protect information from unauthorized access, disclosure, or misuse. However, no system can be guaranteed to be completely secure.

Information is retained only as long as necessary to support documentation, analysis, and reporting purposes, unless a longer retention period is required by law.

You may:

• Request correction of factual errors in your submission
• Request removal of your contact information
• Decline consent for anonymized publication at the time of submission

Requests can be made using the contact information below.

This website is not intended for use by individuals under the age of 18. We do not knowingly collect information from children.

This Privacy Policy may be updated from time to time. Changes will be posted on this page with an updated effective date.

If you have questions about this Privacy Policy or how information is handled, you may contact:

Health Insurance Report Card
Email: [info@healthinsurancereportcard.com]