Plan Navigator Privacy Policy

What this policy covers

This policy explains how Visuary ("we") handles your information when you use Plan Navigator for ACA at navigator.visuary.org, our tool for comparing ACA Marketplace plans by estimated total yearly cost. Reading visuary.org is covered by our main privacy policy.

Visuary is not an insurer, a health care provider or an insurance broker, and Plan Navigator is not covered by HIPAA. This policy, and the state laws described below, are what protect the information you give us.

What we collect

• Account information. Your email address. If you sign in with Google, Google also shares your name and profile photo with us.
• Household and financial details. Your ZIP code and county, the ages and sex of the people who need coverage, whether anyone uses tobacco or is pregnant, and your expected household income.
• Health details. Ongoing conditions, planned procedures and other care you expect, medications, the doctors and hospitals you want covered, and any description of your health you write in your own words.
• Your comparisons. The expected care the tool estimates for your household (including your edits), the plans it ranks, the explanations it writes, and the names you give your comparisons.
• Usage and device information. Pages you visit, your browser and device type, and your approximate location based on your IP address, collected by our servers and by Google Analytics.

We don't ask for your Social Security number, insurance member ID or medical records. You can choose to leave out any health detail; your estimate will just be less specific.

How we use it

• To estimate what your household would pay under each plan, check which plans cover your doctors and medications, and rank and explain the results.
• To save your comparisons so you can come back, change your inputs and compare again.
• To keep the service working and secure, find and fix errors, and check that our estimates are accurate.
• To understand how people use Plan Navigator so we can improve it.
• To send you messages about your account, such as sign-in and verification emails.

We don't sell your information. We don't use it for advertising or to build advertising profiles, and we don't share it with insurers, brokers or employers. We don't use it to decide whether you can get coverage or what you pay; only the Marketplace and insurers do that.

AI and your information

Plan Navigator uses AI models from OpenAI and Anthropic to turn what you tell it into an expected year of care and to write plain-language explanations of your results. For each task we send the details that task needs, such as household members' ages, conditions, planned care, medications and the description of your health you write. We don't send your name or email address.

These providers process the information on our behalf to return a response. Under their terms for business API customers, they don't use it to train their models. The costs and rankings themselves are calculated by our own formulas, not by AI, and you can see and edit the expected care the AI suggests.

Who receives it

• HealthCare.gov. To find plans, estimate your tax credit and check coverage, we send the federal Marketplace's data service (run by the Centers for Medicare & Medicaid Services) your ZIP code, household members' ages, income, and tobacco and pregnancy status, along with the doctors and medications you search for. This is a lookup only. It doesn't start an application or enroll you.
• AI providers. OpenAI and Anthropic, as described above.
• Service providers that run Plan Navigator for us: Auth0 (sign-in), Railway (hosting), our database host, and Google Analytics (usage measurement). They may use your information only to provide their service to us. We don't send your health details to Google Analytics.
• When the law requires it. We may disclose information to comply with a valid legal process, or to protect the safety of our users or the public.
• If Visuary changes ownership. If we are involved in a merger or acquisition, your information may move to the new owner, who must keep honoring this policy.

Your health data

Some states, including Washington and Nevada, have laws that protect consumer health data. Here is the summary those laws ask for.

• What we collect: conditions, planned procedures and other expected care, medications, doctors and hospitals, pregnancy and tobacco use, the description of your health you write, and the care estimates based on them.
• Where it comes from: you; estimates Plan Navigator produces from what you tell it; and plan and coverage information from HealthCare.gov.
• Why we collect it: to estimate your costs and compare plans for you, to save your comparisons, and to keep the service accurate and secure.
• Who receives it: the AI providers and service providers listed above, and HealthCare.gov for coverage lookups. We don't sell it.
• Withdrawing consent: you can withdraw your consent to our use of your health data at any time by deleting your account.
• Your rights: you can confirm whether we hold your health data, see it, have it deleted and withdraw consent, as described below.

How long we keep it

• Saved comparisons: until you delete them or your account.
• Ranking history: each time you run a ranking, we keep a record of the details it was based on and its results, to check our estimates and fix problems. It doesn't include the description of your health you write. We keep these records for up to 13 months, including after you delete the comparison they came from. Ask us and we'll delete them sooner.
• Account information: until you delete your account.
• Usage data: up to 14 months in Google Analytics.
• Deleted information can remain in encrypted backups for a short time before it is overwritten.

Your choices and rights

• Change or delete a comparison at any time in the app.
• Delete your account and everything linked to it, including your ranking history, by emailing us from the address on your account.
• See or get a copy of the information we hold about you, or correct it.
• Withdraw your consent to our use of your health data, which means deleting your account.

Email [email protected] to make a request. We may need to confirm that the request comes from you, usually by replying to the email on your account, and we'll respond within 45 days. If we turn down your request, you can appeal by replying to our answer; we'll respond to the appeal within 45 days. If you disagree with the outcome, you can contact your state attorney general. Using these rights won't change the service you get.

Security

Information moves between your browser and Plan Navigator over encrypted connections and is stored encrypted. Only the people who need access to run and fix the service have it. No system is perfectly secure; if a breach affects your information, we'll notify you and the authorities as the law requires, including under the FTC's Health Breach Notification Rule.

We store your information in the United States.

Children and family members

Plan Navigator is for adults 18 and older. You can include your spouse and children in a comparison; only add another person's information if you're their parent or guardian or have their permission. We don't knowingly collect information directly from children under 13. If you believe a child has created an account, email us and we'll delete it.

Changes to this policy

We'll post any changes here and update the date at the top. If a change affects how we use or share your health data, we'll tell you by email or in the app before it takes effect and, where the law requires it, ask for your consent.

Contact

Questions about this policy or your information? Email [email protected] or use the contact page.