This notice explains how BIFS, LLC, dba Baker Insurance & Financial Services may collect, use, and share your information. Please read over it carefully and contact your agent if you have any questions. 

Baker Insurance (also referred to herin as “we”) has entered into an agreement with the Marketplace, under which we will comply with the Marketplace’s privacy and security standards established by the U.S. Department of Health and Human Services and the Centers for Medicare & Medicaid Services. 

We may collect, use, or disclose certain information about you, called Personally Identifiable Information (“PII”). This information can be used to identify you or trace your identity. Examples (not a complete list) of PII include your name, address, phone number, email, date and place of birth, Social Security Number, household income, marital status, race or ethnicity, credit/debit card numbers and bank account information. 

We may disclose your PII to the Marketplace (or employees, agents or sub-contractors therof), certain federal or state agencies, a health insurance issuer offering a QHP that you have selected (or such issuer’s emplyees, agents or subcontractors), or any individual who is duly and legally authorized to act on your behalf in connection with your PII. This includes any individuals acting under an appropriate power of attorney or appointment that complies with applicable state and federal law. 

We may use and disclose PII if and to the extent reasonably necessary to assist you in comparing health insurance plans, helping with your application for insurance, correcting errors on your application, answering questions about your eligibilty, helping with filing appeals of eligibility determinations, reporting changes during the year, enrolling in qualified health plans (“QHPs”) through the Federally Facilitated Marketplace (“FFM” or “Marketplace”) or direct through the carrier, and/or applying for federal subsidies. 

We will obtain your informed consent, which you may revoke at any time in writing, for any other uses or disclosures of PII. Our request to collect your PII for purposes of assisting you described in this notice is voluntary. If you choose not to provide the requested PII to us, then we may be unable to assist you with enrolling in a health insurance plan. 

BIFS, LLC, is required to keep your information safe. We have developed privacy and security policies that must be followed to make sure your PII is protected. 

I have been provided a copy, read, and understand BIFS, LLC, dba Baker Insurance & Financial Services’ Privacy Notice Statement regarding my Personally Identifiable Information (Pll) and accept the terms of the Privacy Notice.  I give permission for any licensed agent employed with BIFS, LLC, to 1) conduct a search for the consumer application using approved Classic Direct Enrollment/Enhanced Direct Enrollment websites in the Marketplace, 2) assist with completing an eligibility application, 3) assist with plan selection and enrollment, and 4) assist with ongoing account/enrollment maintenance. I have been made aware of compensation received by the agency because of my enrollment(s) as required by federal law. This consent is valid until I provide written revocation.   

• I am not eligible for health coverage from a job (including COBRA) or someone else’s job.

• I am not an American Indian or Alaska Native.

• No one applying for coverage has a physical disability or mental health condition that limits their ability to work, attend school, or take care of their daily needs.

• No one applying for coverage needs help with daily activities (like dressing or using the bathroom) or lives in a medical facility or nursing home.

• No one applying for coverage was offered an individual coverage HRA (ICHRA)

• No one applying for coverage was offered a qualified small employer HRA (QSEHRA).

• I understand that I’m not eligible for a premium tax credit if I’m found eligible for other qualifying health coverage, like Medicaid, the Children’s Health Insurance Program (CHIP), or a job-based health plan. I also understand that if I become eligible for other qualifying health coverage, I must contact the Marketplace to end my Marketplace coverage and premium tax credit. If I don’t, the person who files taxes in my household may need to pay back my premium tax credit.

• If anyone on this application enrolls in Medicaid, I’m giving the Medicaid agency our rights to pursue and get any money from other health insurance, legal settlements, or other third parties. I’m also giving the Medicaid agency rights to pursue and get medical support from a spouse or parent.

• If anyone on your application is enrolled in Marketplace coverage and is later found to have other qualifying health coverage (like Medicare, Medicaid, or CHIP), the Marketplace will automatically end their Marketplace plan coverage. This will help make sure that anyone who’s found to have other qualifying coverage won’t stay enrolled in Marketplace coverage and have to pay full cost.

• I must file a federal income tax return for the current tax year.

• If I’m married at the end of the current tax year, I must file a joint income tax return with my spouse.

• No one else will be able to claim me as a dependent on their current year federal income tax return.

• I’ll claim a personal exemption deduction on my current year federal income tax return for any individual listed on this application as my dependent who is enrolled in coverage through this Marketplace, and whose premium for coverage is paid in whole or in part by advance payments of the premium tax credit.

• I understand that it may impact my ability to get the premium tax credit.

• I also understand that when I file my current year federal income tax return, the Internal Revenue Service (IRS) will compare the income on my tax return with the income on my application. I understand that if the income on my tax return is lower than the amount of income on my application, I may be eligible to get an additional premium tax credit amount. On the other hand, if the income on my tax return is higher than the amount of income on my application, I may owe additional federal income tax.

• I am willing to allow the Marketplace to use income data, including information from tax returns, for the next 5 years? Opt out anytime - https://www.healthcare.gov

• I know that under federal law, discrimination isn’t permitted on the basis of race, color, national origin, sex, age, sexual orientation, gender identity, or disability. I can file a complaint of discrimination by visiting hhs.gov/ocr/office/file.

• I know that information on this form will be used only to determine eligibility for health coverage, help paying for coverage (if requested), and for lawful purposes of the Marketplace and programs that help pay for coverage.

• I know that I must tell the Health Insurance Marketplace® within 30 days if anything changes (and is different than) what I wrote on this application. I can visit HealthCare.gov or call 1-800-318-2596 to report any changes. I understand that a change in my information could affect my eligibility as well as eligibility for member(s) of my household.

• I’m signing this application under penalty of perjury, which means I’ve provided true answers to all the questions on this form to the best of my knowledge. I know that I may be subject to penalties under federal law if I intentionally provide false or untrue information.