Claude Code vs Cursor: which signs a HIPAA BAA?

Both can be covered by a BAA, on different terms. Anthropic signs one for Claude Code only on Claude Enterprise (HIPAA-ready); Claude Console API key (Commercial org) with zero data retention. Anysphere (Cursor) signs one for Cursor only on Enterprise.

Business associate
Anthropic
Tool
Claude Code
Plans with a BAA
Claude Enterprise (HIPAA-ready); Claude Console API key (Commercial org) with zero data retention
Checked
Some plans only
Anthropic signs only for the plans listed.
Business associate
Anysphere (Cursor)
Tool
Cursor
Plans with a BAA
Enterprise
Checked
Some plans only
Anysphere (Cursor) signs only for the plans listed.

Side by side

Claude CodeAnthropicCursorAnysphere (Cursor)
BAASome plans onlySome plans only
Plans with a BAAClaude Enterprise (HIPAA-ready); Claude Console API key (Commercial org) with zero data retentionEnterprise
How to get itAccept or sign online; Through salesThrough sales
AI features outside the BAA partly covered excluded
  • Claude Code with a Console API key (Partly covered)
  • Claude Code on the web, cloud sessions, Remote Control and mobile (Excluded from the BAA)
  • VS Code / JetBrains extensions, LLM gateways, custom base URLs, and Claude Code via Bedrock, Google Cloud or Microsoft Foundry (Excluded from the BAA)
  • AI models / third-party model providers (Partly covered)
  • Third-party services and integrations (Excluded from the BAA)
Sources3 sources2 sources
Last checkedOct 11, 2026Oct 11, 2026

Every plan

Claude Code

  • Claude Enterprise (HIPAA-ready)Only the org's Primary Owner can accept the BAA in Organization settings > Data and privacy. The Primary Owner must also apply the HIPAA configuration to Claude Code (local mode), which cannot be removed afterwards. Before that, local Claude Code is covered only if ZDR is enabled for a qualified account.Conditions apply
  • Claude Console API key (Commercial org) with zero data retentionEligible only with ZDR enabled, for qualified accounts. Covered Models cannot be used while ZDR for Claude Code is on unless Anthropic authorizes it. Without ZDR, Console API key use is not covered. The BAA article says to sign the BAA and then contact Anthropic or sales.Conditions apply
  • Claude API HIPAA readiness (without ZDR)The API docs say HIPAA readiness does not cover Claude Code.No BAA
  • Free / Pro / Max / TeamTeam and individual plans cannot enable HIPAA.No BAA

Cursor

  • EnterpriseRequires a signed Enterprise agreement and BAA before any PHI is submitted. Privacy Mode must be enabled and locked organization-wide, and users may send PHI only through Eligible Services. The HIPAA Implementation and Configuration Guide forms part of the BAA and is available on request from the Trust Center.Signs a BAA
  • TeamsTeams customers are told to contact sales about moving to Enterprise before they request a BAA.No BAA
  • Hobby / Pro / individual plansThe BAA page names only Enterprise and does not mention individual plans.Not confirmed

If you handle patient data

Either can work. Choose on features and price, then make sure you’re on a plan listed above and the BAA is signed before anyone enters protected health information. Keep PHI out of the AI features listed as outside the BAA.

More comparisons

A signed BAA is necessary but not sufficient for HIPAA compliance, which also depends on configuration, access controls, and your own policies. Verdicts summarize the vendor's own published terms as of the date checked; confirm with the vendor and your counsel before sending protected health information. Not legal advice.