Privacy Policy
Last updated: June 15, 2026
MyHealthReference.us ("we," "our," or "the site") is committed to protecting your privacy. This policy describes how we collect, use, and safeguard information when you visit our website.
Calculator Data — Local Processing Only
No personal medical or financial data entered into our calculators is saved, stored, or transmitted to our servers.
All calculations run entirely within your web browser using client-side JavaScript. Your inputs (income, age, family size, premium amounts, dates, etc.) never leave your device. We have no access to the data you enter, and no record of your results.
Information We Collect
Log Files
Like most websites, MyHealthReference.us collects standard log file information automatically provided by your web browser. This may include:
- Internet Protocol (IP) address
- Browser type and version
- Pages visited and time spent on each page
- Date and time of your visit
- Referring URL (the page that linked you to us)
This information is used for site administration, traffic analysis, and diagnosing technical issues. Log data is not linked to personally identifiable information.
Cookies
Cookies are small text files stored on your device by your web browser. We may use cookies for:
- Essential functionality — Remembering user preferences (e.g., theme settings).
- Analytics — Understanding how visitors use our site so we can improve it. We may use services such as Google Analytics, which sets its own cookies.
- Advertising — Third-party ad networks, including Google AdSense, may use cookies to serve relevant advertisements (see below).
You can disable cookies in your browser settings at any time. Doing so will not affect the functionality of our calculators.
Google DoubleClick DART Cookie
Google, as a third-party vendor, uses the DART cookie to serve ads to our visitors based on their visits to MyHealthReference.us and other sites on the internet. The DART cookie enables Google and its partners to serve ads based on users' prior visits to our site and/or other sites across the web.
Users may opt out of the use of the DART cookie by visiting the Google Ad Settings page .
Third-Party Advertising
We may use third-party advertising companies to serve ads when you visit our site. These companies may use information (not including your name, address, email address, or telephone number) about your visits to this and other websites in order to provide advertisements about goods and services of interest to you.
Third-Party Links
Our site contains links to external websites (e.g., IRS.gov, Medicare.gov, Healthcare.gov). We are not responsible for the privacy practices or content of these third-party sites. We encourage you to read the privacy policies of any external site you visit.
Children's Privacy
MyHealthReference.us is not directed at children under the age of 13. We do not knowingly collect personal information from children. If you believe a child has provided us with personal data, please contact us and we will delete it promptly.
Changes to This Policy
We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated revision date. We encourage you to review this policy periodically.
Contact
If you have questions about this Privacy Policy, please contact us at contact@myhealthreference.us.