Private Health Insurance
Private health insurance means a plan sold directly by an insurance carrier (or through an independent broker like us) rather than through the ACA Marketplace — individually underwritten, often with broader network access, and available to enroll in year-round rather than only during Open Enrollment.
Because we're an independent brokerage rather than a single carrier, we compare private plans across multiple companies instead of only ever being able to offer you one.
Why clients choose this option
- Apply any time — no Open Enrollment window
- Broader PPO network access than many Marketplace HMO plans
- Compared across multiple carriers, not locked to one company
- Often cheaper than an unsubsidized Marketplace plan for healthy applicants
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Frequently Asked Questions
Yes — private plans are fully regulated insurance products, just medically underwritten rather than guaranteed-issue. The right choice depends on your health, income, and network needs.
No — income-based subsidies only apply to ACA Marketplace plans. We'll help you compare the after-subsidy Marketplace cost against private options so you see which is actually cheaper for your situation.