Services you can trust
Private Health Insurance
Finding the right private health insurance is difficult...
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It's hard to know which insurance companies are trustworthy, and which ones aren't
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Understanding the limitations and coverage exclusions of each plan is complicated
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Collecting separate quotes from each carrier is time-consuming
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And trying to select the right plan from all of the options feels overwhelming!
The Solution
We make it easy to find the right Private health insurance!
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We only work with trustworthy insurance companies so that you can avoid the junk
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We know which products will actually cover your individual healthcare needs
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We will collect quotes for you so that nobody can sell your contact info to strangers
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Our expert recommendations make it easy to decide which plan to go with
Frequently Asked Questions About non-marketplace or Private Health Insurance:
What Is Private Health Insurance?
Private health insurance refers to plans purchased outside of the government Marketplace. These plans are offered directly by insurance companies and may provide alternative options for people who don’t qualify for subsidies or want different coverage structures.
How Is Private Health Insurance Different From Marketplace Plans?
Marketplace plans are regulated under the Affordable Care Act and may offer income-based subsidies. Private plans are purchased outside the Marketplace and may have different underwriting rules, pre-existing condition limitations, pricing structures, and coverage options depending on the insurance company.
Is Private Health Insurance Cheaper Than Marketplace Coverage?
The short answer is that it depends. If you qualify for large Marketplace subsidies based on your income, then Marketplace plans are often the most affordable option. However, if you do not qualify for subsidies, private plans can sometimes offer lower monthly premiums or different coverage structures that better fit your needs. For the right person, we have seen them save 40-60% on their monthly premiums by switching to a non-marketplace product.
Meeting with a qualified agent will help you discover whether or not you would be eligible for potential savings by switching to a private plan.
Can I Enroll In Private Health Insurance Anytime?
Generally speaking, yes! Most private plans are not restricted to an annual “open enrollment period” like the Marketplace is. That means that you would likely be able to switch to a private plan now instead of waiting until the end of the year.
Most private plans do have their own underwriting requirements. Meeting with one of our licensed agents will help you know exactly which plans you are eligible to enroll in and which ones will be a good fit for your needs.
