Why your health data can never raise a major-medical premium

Turtini treats health coverage with a hard rule built into the platform: your personal health history can never raise the price of major-medical insurance.

Why this is the law:
• ACA-compliant major medical is "guaranteed-issue" and "community-rated." By law it can only be priced on four things — your age, where you live, tobacco use, and household size. Your blood pressure, weight, glucose, conditions, or anything from a wearable cannot legally change that premium.

So where does your health data actually help?
• Matching — In "Health match", we use the wellness signals you already track to recommend the plan that fits you best. This orders plans for you; it never prices them.
• Wellness rewards — Some add-on plans ("wellness incentive") give you a credit for healthy participation. Sharing those signals earns money off; it never adds a surcharge.
• Ancillary products — For things like life or disability insurance (which the law does let carriers underwrite), sharing signals can lower your rate through the same one-way ratchet the rest of Turtini insurance uses — down only, never up.

On every plan you'll see a small class tag: "Major medical (ACA)", "Ancillary", or "Wellness incentive". Only the latter two ever let shared data move the price — and only downward. Major-medical plans say plainly: sharing data won't change this price.

This isn't a promise on paper. The price engine physically ignores your health signals for major-medical plans — it's enforced in code.