Privacy Policy
Effective Date: 11.20.2025
Kenneth Wright – The Health Insurance Savant
www.thehealthinsurancesavant.com
1. Introduction
Kenneth Wright, operating as The Health Insurance Savant (“we,” “us,” or “our”), is committed to protecting your privacy.
This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you interact with us, including through our website, digital forms, social media, email, phone, and text communications.
Because we provide health and life insurance guidance, we may handle certain sensitive information. We comply with all applicable privacy laws, including HIPAA where it applies, and maintain strict standards for confidentiality and security.
2. Information We Collect
We may collect the following types of information:
A. Personal Contact Information
- Name
- Phone number
- Email address
- Mailing address
- Preferred communication method
B. Health-Insurance–Related Information (Only If Necessary)
- Household size
- Income estimates for ACA/Obamacare qualification
- Current insurance plan details
- Health-related information only to the extent required to:
- Provide quotes
- Verify eligibility
- Submit applications at your request
We do NOT collect or store medical records.
C. Technical Information
- IP address
- Cookies and analytics data related to website performance
(None of this is used for medical or underwriting purposes.)
3. How We Use Your Information
We use the information we collect for the following purposes:
A. To Provide Health & Life Insurance Services
- Preparing quotes or comparisons
- Determining eligibility for ACA, private, underwritten, group, or supplemental plans
- Submitting applications or changes at your direction
- Facilitating renewals or updates
B. To Communicate With You
- Appointment reminders
- Policy follow-ups
- Educational resources
- Relevant updates about your coverage, deadlines, or industry changes
C. To Improve Our Services
- Website analytics
- Customer service training
- Compliance reporting
We do not sell your information to third parties. Ever.
4. How We Share Information
We may share your information only under these conditions:
A. With Insurance Carriers or Enrollment Platforms
Only when necessary to:
- Provide quotes
- Submit applications
- Verify coverage
- Assist with renewals
Example partners include:
Healthcare.gov, state marketplaces, private carriers, and enrollment platforms (e.g., HealthSherpa, if applicable).
B. With Service Providers
Companies assisting with:
- Secure email
- Appointment scheduling
- Document collection
- CRM systems
- Compliance monitoring
All vendors are required to maintain confidentiality and security.
C. When Required By Law
If compelled by subpoena, regulatory inquiry, or legal obligation.
5. HIPAA Compliance
If and when we handle protected health information (PHI), we follow HIPAA privacy and security rules, including but not limited to:
- Minimum necessary use standards
- Secure transmission and storage
- Restricted access
- Confidential handling of eligibility-related information
Not all data you share is PHI, but we treat all your information with the same care.
6. Data Security
We use industry-standard safeguards such as:
- Encrypted email and document uploads
- Secure password-protected systems
- Multi-factor authentication
- Limited internal access
- Regular system monitoring
While no platform is 100% secure, we take every reasonable step to protect your information.
7. Your Rights
You may request at any time:
- Access to your personal information
- Corrections or updates
- Deletion of your information (when permitted by law)
- A copy of this Privacy Policy
- Limitation of certain communications
Email requests to: kennethwright@thehealthinsurancesavant.com or call 917-710-2453.
8. Retention of Information
We retain information only as long as necessary to:
- Provide insurance services
- Maintain required regulatory records
- Comply with federal/state insurance laws
Information is securely discarded when no longer needed.
9. Children’s Privacy
We do not knowingly collect information from children under 13 without parental consent.
For children’s life or health insurance, all data must be provided by a parent or legal guardian.
10. Updates to This Policy
We may update this Privacy Policy periodically. Changes will be posted on our website with a revised Effective Date.
11. Contact Us
For questions about this Privacy Policy or to exercise your rights:
Kenneth Wright
The Health Insurance Savant
Email: kennethwright@thehealthinsurancesavant.com
Phone: 917-710-2453
Website: www.thehealthinsurancesavant.com