Privacy Policy | Affordable Health Care Plans

Effective Date: March 25, 2026

Last Updated: March 25, 2026

This Privacy Policy describes how Prodest Insurance Group ("we," "us," or "our"), the operator of affordablehealthcareplans.net (the "Site"), collects, uses, shares, and protects your personal information when you visit our website, submit forms, or otherwise interact with our services. Jeremy Irons (NPN: 20969524) is the licensed health insurance broker and president of Prodest Insurance Group.

By using this Site, you acknowledge that you have read and understood this Privacy Policy. If you do not agree with our practices, please do not use the Site or submit any personal information through our forms.

1. Information We Collect

We collect information in the following ways:

1.1 Information You Provide Directly

When you complete a quote request form, contact form, or otherwise communicate with us, we may collect:

First and last name
Email address
Phone number
State of residence and ZIP code
Date of birth
Household size
Annual income estimate (if voluntarily provided, for subsidy estimation purposes)
Types of insurance coverage you are interested in
Any additional information you include in message fields or during phone conversations

1.2 Information Collected Automatically

When you visit our Site, we automatically collect certain technical information through cookies, server logs, and similar technologies:

IP address
Browser type and version
Operating system
Referring URL (the page that directed you to our Site)
Pages viewed on our Site and time spent on each page
Date and time of your visit
Device type (desktop, mobile, tablet)
Geographic location (derived from IP address, at the city/state level)

1.3 Consent Records

When you submit a form on our Site, we record and store the following consent-related data as required by the Telephone Consumer Protection Act (TCPA) and applicable state regulations:

Timestamp of form submission (UTC)
IP address at the time of submission
The page URL where the form was submitted
The version of the consent text that was displayed and agreed to

2. How We Use Your Information

We use the information we collect for the following purposes:

To provide insurance quotes and recommendations. Your personal information is used to identify health insurance plans available in your state and area that match your coverage needs, household composition, and budget.
To contact you about health insurance products. When you submit a form and provide TCPA consent, we and our licensed insurance advisors may contact you at the phone number and email address you provided, including via automated calls, pre-recorded messages, and text messages, to discuss health insurance options and provide quotes.
To share information with insurance carriers. In order to generate accurate quotes and facilitate enrollment, we may share your information with insurance carriers and their authorized agents who offer plans in your state. This sharing is limited to the information necessary for quoting and enrollment purposes.
To improve our website and services. We use aggregated and anonymized data to analyze website traffic, identify popular content, improve user experience, and optimize our marketing efforts.
To comply with legal obligations. We retain consent records, form submission data, and communication logs as required by TCPA regulations, state insurance licensing requirements, and other applicable laws.
To send administrative communications. We may use your email address to send transactional messages related to your quote request, enrollment status, or account, as well as important notices about our services or changes to our policies.

3. TCPA Data Use Disclosure

When you submit a quote request form or contact form on this Site and check the TCPA consent checkbox, you provide your express written consent to be contacted by Prodest Insurance Group (NPN: 20969524) and licensed insurance advisors at the phone number and email address you provided. This contact may include automated calls, pre-recorded messages, and text messages regarding health insurance products and quotes.

Your consent is not a condition of purchasing any insurance product. You may revoke your consent at any time by calling us at 866-981-8620, emailing jeremy@prodestins.com, or replying STOP to any text message. Message and data rates may apply.

All TCPA consent records are stored securely with timestamps, IP addresses, page URLs, and the exact version of the consent language displayed to you at the time of submission.

4. Information Sharing and Disclosure

We do not sell your personal information to third parties. We may share your information in the following limited circumstances:

Insurance carriers and agents. We share your quote request information with licensed insurance carriers and their authorized representatives to generate quotes and facilitate enrollment in health insurance plans. This sharing is necessary to provide the services you have requested.
Service providers. We engage third-party service providers who assist us with website hosting, data storage, analytics, email delivery, and customer relationship management. These providers are contractually obligated to protect your information and use it only for the purposes we specify.
Legal requirements. We may disclose your information when required by law, in response to valid legal process (such as a subpoena or court order), or when we believe disclosure is necessary to protect our rights, your safety, or the safety of others.
Business transfers. In the event of a merger, acquisition, or sale of all or a portion of our business, your personal information may be transferred to the acquiring entity as part of the transaction.

5. Cookies and Tracking Technologies

Our Site uses cookies and similar tracking technologies to enhance your experience, analyze site usage, and support our marketing activities.

5.1 Types of Cookies We Use

Essential cookies. These cookies are necessary for the Site to function properly, including maintaining session state and enabling form submissions.
Analytics cookies. We use Google Analytics (GA4) to collect aggregated data about how visitors use our Site, including pages visited, time on site, and traffic sources. Google Analytics uses cookies to identify unique visitors without personally identifying them.
Marketing cookies. We may use cookies from advertising platforms to measure the effectiveness of our marketing campaigns and to serve relevant advertisements on other websites.

5.2 Managing Cookies

You can control and manage cookies through your browser settings. Most browsers allow you to refuse new cookies, delete existing cookies, and set preferences for specific websites. Please note that disabling cookies may affect the functionality of certain features on our Site.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, comply with legal obligations, and resolve disputes. Specific retention periods include:

TCPA consent records: Retained for a minimum of 5 years from the date of consent, as recommended by industry best practices for TCPA compliance.
Quote request data: Retained for up to 3 years from the date of submission, or longer if you become an active client.
Website analytics data: Retained in aggregated, anonymized form for up to 26 months (as configured in Google Analytics).
Contact form submissions: Retained for up to 2 years from the date of submission.

7. California Consumer Privacy Rights (CCPA)

If you are a California resident, the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA) provide you with specific rights regarding your personal information:

Right to Know. You have the right to request that we disclose the categories and specific pieces of personal information we have collected about you, the categories of sources from which the information was collected, the business purposes for collecting the information, and the categories of third parties with whom we share the information.
Right to Delete. You have the right to request that we delete the personal information we have collected from you, subject to certain exceptions permitted by law (such as data we are legally required to retain).
Right to Opt Out of Sale. We do not sell your personal information. However, if our practices change, you will have the right to opt out of any sale of your personal information.
Right to Non-Discrimination. We will not discriminate against you for exercising any of your CCPA rights. You will not receive a different level of service or different pricing based on your privacy choices.
Right to Correct. You have the right to request that we correct inaccurate personal information we maintain about you.

To exercise any of these rights, please contact us at jeremy@prodestins.com or call 866-981-8620. We will verify your identity before processing your request and respond within 45 days as required by law.

8. Data Security

We implement industry-standard security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. These measures include encrypted data transmission (SSL/TLS), secure cloud-based data storage with access controls, regular security reviews, and employee training on data handling practices. However, no method of electronic transmission or storage is completely secure, and we cannot guarantee absolute security of your data.

9. Children's Privacy

Our Site is not directed to children under the age of 13, and we do not knowingly collect personal information from children under 13. If we become aware that we have collected personal information from a child under 13, we will take steps to delete that information promptly.

10. Third-Party Links

Our Site may contain links to third-party websites, including insurance carrier websites, government resources, and informational content. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party website you visit.

11. Do Not Track Signals

Our Site does not currently respond to Do Not Track (DNT) signals from web browsers. There is no universally accepted standard for how to respond to DNT signals, and we will update this policy if a standard is established.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or business operations. When we make material changes, we will update the "Last Updated" date at the top of this page. We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.

13. Contact Us

If you have questions about this Privacy Policy, wish to exercise your privacy rights, or have concerns about how your personal information is being handled, please contact us:

Email: jeremy@prodestins.com
Phone: 866-981-8620
Company: Prodest Insurance Group
Broker: Jeremy Irons, NPN 20969524