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THE MARYLAND HEALTH CONNECTION PRIVACY STATEMENT
This notice is designed to inform you how the information you provide when applying for health insurance through Maryland Health Connection will be used and of your rights to view, verify, or correct your personally identifiable information, as required under 45 C.F.R. § 155.260. We are authorized to collect the information on this form and any supporting documentation, including Social Security numbers, under the Patient Protection and Affordable Care Act (Public Law No. 111-148), as amended by the Health Care and Education Reconciliation Act of 2010 (Public Law No. 111-152), and the Social Security Act.
PERMISSION FOR INFORMATION SUBMITTED
By submitting this application, you represent that you have permission from all of the people whose information is on the application to both submit their information to Maryland Health Connection and to receive any communications about their eligibility and enrollment.
USE OF INFORMATION YOU PROVIDE
Should you decide to apply for health coverage through Maryland Health Connection, you will be voluntarily providing information to the system about yourself and/or your household members. On each screen, the system will notify you of all required information. Please respond to all questions honestly and carefully. If you don’t provide correct information on this form or knowingly or willfully provide false or fraudulent information, you may be subject to a penalty and other law enforcement action.
Information Collected Automatically
• Log Files
When you use this website, our servers automatically record information that your browser sends as you fill out your application. 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.
• Digital Fingerprinting
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 the Maryland Health Connection 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.
The information you provide will be retained in our system. It will be verified against information from other federal and state systems and used to determine eligibility for insurance affordability programs, tax credits for health insurance, enrollment into a qualified health plan and may be used for bill payment, automated reminders, or other activities permitted by law. In order to perform these functions, we will need to share selected information that we receive outside of Maryland Health Connection, including with:
• Federal agencies (such as the Internal Revenue Service, Social Security Administration and Department of Homeland Security), other State agencies (such as the Department of Health and Mental Hygiene and Department of Human Resources) or local government agencies. We may use the information you provide in computer matching programs with any of these groups to make eligibility determinations, to verify continued eligibility for enrollment in a qualified health plan or federal benefit programs, or to process appeals of eligibility determinations;
• Other identity verification sources including consumer reporting agencies;
• Employers identified on applications for eligibility determinations;
• Applicants, enrollees and their authorized representatives;
• Authorized agents, brokers and issuers of qualified health plans, as applicable; and
• Authorized contractors engaged to perform a function for Maryland Health Connection.
We will preserve the privacy of personal records and protect confidential or privileged information in full accordance with federal and State law. We will not sell your information to others. Any information you provide to us will be used only to carry out functions of the Maryland Health Connection or as required by law.
VERIFICATION OF INFORMATION
As part of the process to sign up for health insurance, in order to confirm your identity and protect your privacy, you will need to complete Identity Verification successfully. Below are a few items to keep in mind.
• Ensure that you enter your legal name, current home address, primary phone number, date of birth and email address correctly. We will only collect personal information to verify your identity with Experian, an external identity verification provider.
• Identity Verification involves Experian using information from your consumer report profile to help confirm your identity. As a result, you may see an entry called a “soft inquiry” on your Experian consumer report. Soft inquiries are only visible to you, will never be presented to third parties, and do not affect your credit score. The soft inquiry likely will be titled “CMS Proofing Services” and will be removed from your Experian consumer report after 25 months.
• You may need to have access to your personal and consumer report information, as the Experian application will pose questions to you, based on data in Experian’s files. For additional information, please see the Experian Consumer Assistance website -
Maryland Health Connection offers all legal Maryland residents the ability to purchase affordable health insurance. We gather and verify information on the citizenship and/or immigration status of applicants. However, we use this information only to determine eligibility for health coverage.
PERSONALLY IDENTIFIABLE INFORMATION
This system will store Personally Identifiable Information (PII) that you provide. PII means any information that can be used to distinguish or trace an individual's identity, such as their name, Social Security Number, biometric records, etc., alone or when combined with other personal or identifying information that is linked or linkable to a specific individual, such as date and place of birth, mother's maiden name, etc. and any other information that is linked or linkable to an individual, such as medical, educational, financial or employment information. See Office of Management and Budget Memorandum M-07-16 (May 22, 2007).
Your Social Security number (SSN) is required to verify income and other information. Your SSN is also necessary to determine your eligibility for financial assistance. If you need help getting an SSN, visit socialsecurity.gov or call 1-800-772-1213.
YOUR RIGHT TO YOUR INFORMATION
You may log in to your account at Maryland Health Connection,
at any time to access and obtain your information. You may update your information at any time. If you need assistance updating or have a concern about your information, you may contact the Consumer Support Center at 1-855-642-8572 or 1-855-642-8573 for the hearing impaired.
If you believe your privacy rights have been violated, you may contact the Maryland Health Connection Compliance Hotline at 410.547.6862.
ENCRYPTION OF INFORMATION
Encryption is a process of scrambling information in order to protect its confidentiality. The entire process of signing up for health insurance uses encryption. Your data files stored in the system are encrypted. When our system transmits or receives your information in order to provide you service, your information is encrypted.
IMPROPER USE AND DISCLOSURE OF INFORMATION
Any person who knowingly and willfully uses or discloses information in violation of section 1411(g) of the Affordable Care Act will be subject to a civil penalty of not more than $25,000 per person or entity, per use or disclosure, in addition to other penalties that may be prescribed by law.
LINKS TO THIRD PARTY WEBSITES
This Privacy Statement applies solely to this website and the related services provided by Maryland Health Connection, and not to any other product or service. This website may contain links to a number of third party websites that we believe may offer useful information. The policies and procedures we describe here do not apply to those websites. We recommend that you carefully read the privacy statements of each site that you visit for information on their privacy, security, data collection and distribution policies.
Under federal law, we must alert you to the opportunity to register to vote when you apply for coverage through Maryland Health Connection. If you are a U.S. citizen and eligible to vote in Maryland, please register at the following website:www.eac.gov/NVRA/.
Changes to our website may necessitate changes to our privacy statements. Notification of changes will be posted at www.marylandhealthconnection.gov. The information contained in this privacy statement applies only to www.marylandhealthconnection.gov and not to any linked sites. For more information on how Maryland Health Connection uses your information, go to
Maryland Health Connection is the new health insurance marketplace developed by the State of Maryland 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 Maryland Health Connection, 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 Maryland Health Connection User ID and password are your keys to obtaining secure information from¬ Maryland Health Connection. To ensure that there is no unauthorized use of the information that Maryland Health Connection has about you, you should not share your Maryland Health Connection 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 Maryland Health Connection account, please notify Maryland Health Connection as soon as possible by calling 1-855-642-8572 or 1-855-642-8573 for the deaf or hearing impaired.You may not have access to anyone elses Maryland Health Connection account unless you have received that person’s express consent to do so and you must not falsely represent to Maryland Health Connection that you have such consent.Unless you have consent, you may not use Maryland Health Connection or your Maryland Health Connection 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 Maryland Health Connection or any third party through your use of this Site.
You may not:
.use, frame or utilize framing techniques to enclose any Maryland Health Connection 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 Maryland Health Connection or its licensors. Copyright violation is a serious offense, punishable by civil and criminal penalties.
All names, logos, designs and slogans of Maryland Health Connection are trademarks of Maryland Health Connection. 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 Maryland Health Connection or this Site or by Maryland Health Connection 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 Maryland Health Connection, 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.
MARYLAND HEALTH CONNECTION 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 MARYLAND HEALTH CONNECTIONS LIABILITY TO YOU IN CONNECTION WITH YOUR USE OF THIS SITE EXCEED FIFTY DOLLARS ($50.00).
Law and Jurisdiction
This Site is operated by Maryland Health Connection from the State of Maryland, United States of America, and your use of this Site shall be governed and construed in accordance with the laws of the State of Maryland, without regard to its conflict of law provisions. Exclusive jurisdiction and venue shall lie in the State of Maryland,including the U.S. federal courts therein.
Contact and Violations
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