Under Ontario's Personal Health Information Protection Act (PHIPA), health information custodians may rely on implied consent in situations where the information is used for the provision of healthcare unless the patient explicitly opts out. However, private insurance companies do not directly provide healthcare and typically require explicit consent to collect, use, or disclose health information. This is because their primary role involves assessing insurance claims and risk, rather than delivering healthcare services. Long-term care homes, ambulance services, and pharmacies, on the other hand, are directly involved in the provision of care and can typically operate under an implied consent model when sharing information for healthcare purposes.