NOTE: The 2014 Open Enrollment period is now closed. The next Open Enrollment period, for 2015 coverage, begins on November 15, 2014. Access Health CT representatives are working with residents who attempted to enroll in coverage before the March 31st midnight deadline but were unable to complete their applications. Enrollment in Medicaid (HUSKY) and the Children's Health Insurance Plan (CHIP) is open year round for eligible persons and families. You may also still be eligible to enroll in coverage throughout the year if you or a member of your household has experienced a Special Enrollment Qualifying Life Event in the past 60 days or you will in the next 60 days. Qualifying Life Events may include: child birth, adoption, death of a member of the household, marriage, loss of current health care coverage, loss or reduction in employer insurance contributions, new legal CT or U.S. residency, or U.S. lawful presence. Please call our contact center at 855-805-4325 to see if you may qualify.
How We Collect Information
Information You Choose to Share
Primarily, we collect personal information that you voluntarily provide to us. For example, when you register on the Access Health CT website for a User ID and password, we request that you provide your name and email address. If you use our website to learn more about or enroll in one of our available plans or programs, we may request additional information from you, including additional contact information (such as your address and phone number), demographic information (such as your age, gender and annual income), your Social Security number or other government-issued ID number, information regarding your employer, and similar information about the members of your family. We may also collect similar personal information from you in person through one of our assistors, navigators or brokers, or at one of our exhibits or offices, or through one of our call centers.
As discussed below, we may also supplement the information we collect with information we receive from other federal and state government agencies (such as the IRS, Medicare, Medicaid and the Connecticut Department of Social Services) as well as private information clearinghouses.
Information Collected Automatically
When you use our website, our servers automatically record information that your browser sends whenever you visit a website. These server logs may include information such as your Internet Protocol (IP) address, browser type, browser language, the date and time of your request and one or more cookies that may uniquely identify your browser. This information is periodically deleted as part of normal maintenance routines.
We use digital fingerprinting technology, also known as "machine identification" technology, to gather certain data about you and/or your computer. This identification number is based on data that is automatically transmitted by your browser, such as your IP address and computer operating system and browser version number. This technology creates a unique computer identifier which may be used by Access Health CT to identify your device, which will allow us to improve the user experience, better safeguard your personal information, and to protect the integrity of the enrollment process.
How We Use and Disclose Personal Information
We use your information for the purposes of providing our services helping you determine your eligibility for participation and enrolling in qualified health plans and relevant health insurance affordability programs. We may also use your information (i) to support our internal operations and the improvement of our website and services, (ii) to comply with applicable law, and (iii) to communicate with you, including responding to your inquiries. We may also use information that you provide to us, in combination with information that we receive from the sources described below, to directly contact you to inform you regarding health plans and programs that you may qualify for.
We do not sell any of your personal information that we collect through this website or otherwise received by Access Health CT. We may disclose your personal information to employees and agents of Access Health CT with a need to know in the course of performing services on behalf of Access Health CT. We require these employees and agents to keep your information confidential and to use your personal information only in the performance of services for Access Health CT. In addition, in order to verify and supplement the personal information we receive from you, we may disclose personal information you provide to us to several state and federal government agencies, including, without limitation, Medicare, Medicaid, the IRS, the Connecticut Department of Social Services and the Connecticut Department of Revenue Services, as well as to private data clearinghouse firms.
Information that we automatically collect through our website is used to improve our website and the user experience, better safeguard your personal information, and to protect the integrity of the enrollment process.
Safeguards We Have Implemented to Help Ensure the Security of Your Personal Information
The security of your personal information is very important to us. We have put in place reasonable operational, administrative, technical and physical safeguards to protect the information we collect, as required by applicable law. We cannot guarantee, however, that all communications between us or information stored on our servers will be free from unauthorized access by third parties, such as hackers.
How Can You Review and Correct Your Personal Information That We Have Collected, Used or Disclosed
We will make available to you the personal information in our custody or control that we have collected, used or disclosed, upon your written request, to the extent required and/or permitted by law.
You can access your User ID profile information by logging into the
Access Health CT website
, Account Home. To request any other personal information that we hold about you, please submit your request in writing at the email address or postal address shown below in the Contact section. When we receive an access request from an individual, we will attempt to fulfill your request within 30 days. For your security, we may request additional verification of your identity before providing any information. In certain circumstances, we may not be able to give you access to all of your personal information. This may occur, for example, where revealing personal information to you may also reveal personal information of a third party or where the information has been collected for the purposes of a legal investigation. We make reasonable efforts to keep personal information in our possession or control accurate and complete, based on the most recent information available to us. We also, however, rely on you to keep your personal information accurate and complete. If you register with us, you have the right, and we encourage you, to view and update your registration information at any time. To update your information, please log into the Access Health CT website, Account Home or email us at firstname.lastname@example.org. If you believe your personal information is inaccurate, you can demonstrate in writing the inaccuracy or incompleteness of the personal information we have on you. If you successfully demonstrate that the personal information we have on you is inaccurate or incomplete, we will amend it as required.
Changes to this Policy
Links to Third Party Websites
Access Health CT is the new health insurance marketplace developed by the State of Connecticut to satisfy the requirements of the federal Affordable Care Act.
By using this website,
In order to access some features of this Site and apply for any of the plans or programs available through Access Health CT, you will need to create a User ID and password. You agree to provide us with accurate and complete registration information, and to inform us of any updates or changes to such information. Your User ID and password verify your identity so that you may have access to your information while restricting access by unauthorized individuals. Your Access Health CT User ID and password are your keys to obtaining secure information from¬ Access Health CT. To ensure that there is no unauthorized use of the information that Access Health CT has about you, you should not share your Access Health CT User ID or password with anyone. Your password is confidential and known only to you; if you share it with anyone else, you do so at your own risk. You are responsible for all activities that occur under your User ID and password.
If you learn that there has been any unauthorized access to or use of your password or any of the information in your Access Health CT account, please notify Access Health CT as soon as possible by calling 1-855-805-HEALTH (1-855-805-4325). You may not have access to anyone elses Access Health CT account unless you have received express consent to do so and you must not falsely represent to Access Health CT that you have such consent. You may not use Access Health CT or your Access Health CT account to attempt to access any other individual or households personal data other than your own.
Use of this Site
You may browse this Site and use its functions and features, and you may download material displayed on this Site, for your own personal use only - i.e. to review and select health insurance policies and affordability programs offered on this Site. Except as noted above, you receive no right or license, by implication, estoppel, or otherwise, in or under any patent, trademark, copyright, or proprietary right of Access Health CT or any third party through your use of this Site.
You may not:
.use, frame or utilize framing techniques to enclose any Access Health CT trademark or logo or any other part of this Site;
.remove any copyright, trademark or other proprietary notice contained in or on this Site;
.create user accounts by automated means or under false or fraudulent pretenses;
.transmit or upload to this Site any item containing or embodying any virus, worm, defect, Trojan horse, or other feature designed to damage or degrade in any manner the performance of this Site, or any other Web site, or any other computer or other device or system, or the enjoyment of this Site by any other user;
.use this Site to violate the security of or gain unauthorized access to any computer or computer network or other device or system (including unauthorized attempts to discover passwords or security encryption codes, SYSDATE);
.take any action that imposes, or may impose a disproportionately large data or traffic load on this Site or the IT infrastructure used to operate and make this Site available;
.circumvent or attempt to circumvent any security measures associated with this Site; or
.use this Site to violate any applicable local, state, federal or international law.
Copyright and Trademark
All materials on this Site, unless specifically noted, are copyright, and the sole and exclusive property, of Access Health CT or its licensors. Copyright violation is a serious offense, punishable by civil and criminal penalties.
All names, logos, designs and slogans of Access Health CT are trademarks of Access Health CT. Any other trademarks on the Site are the property of their respective owners. Use of any third party trademarks does not imply sponsorship or endorsement by such third party of Access Health CT or this Site or by Access Health CT of such third party. You are not permitted to use any trademarks, service marks or logos without the prior written consent of the owner.
We always appreciate your feedback or other suggestions about Access Health CT, but you understand that we may use them without any obligation to compensate you for them (just as you have no obligation to offer them).
Disclaimer of Warranties/Limits on Liability
All information and materials on this site and any linked sites are provided "As Is" without warranty of any kind, and may include inaccuracies or errors. We do not warrant that access to this Site or any of its content will be uninterrupted or error free, that defects will be corrected, or that this Site will be free of viruses or other harmful components. We have not reviewed any sites linked to the Service ("Linked Sites") and we are not responsible for the content of any Linked Sites.
ACCESS HEALTH CT SPECIFICALLY DISCLAIMS ANY AND ALL WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE.
WE AND ANY OF OUR REPRESENTATIVES WILL NOT BE LIABLE, WHETHER IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, FOR ANY INDIRECT, PUNITIVE, SPECIAL, CONSEQUENTIAL OR INCIDENTAL DAMAGES (INCLUDING, WITHOUT LIMITATION, LOST PROFITS, COST OF PROCURING SUBSTITUTE SERVICE OR LOST OPPORTUNITY) RELATING TO THE USE, PERFORMANCE, DELAY OR INABILITY TO USE THIS SITE OR A LINKED SITE, EVEN IF WE ARE MADE AWARE OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL ACCESS HEALTH CTS LIABILITY TO YOU IN CONNECTION WITH YOUR USE OF THIS SITE EXCEED FIFTY DOLLARS ($50.00).
Law and Jurisdiction
This Site is operated by Access Health CT from the State of Connecticut, United States of America, and your use of this Site shall be governed and construed in accordance with the laws of the State of Connecticut, without regard to its conflict of law provisions. Exclusive jurisdiction and venue shall lie in the State of Connecticut, Hartford County, including the U.S. federal courts therein.