You don’t need to be in perfect health to qualify. Generally, individuals who are in relatively good health make strong candidates for private coverage.

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Each situation is reviewed individually, but if you do not have major pre-existing conditions—such as cancer, a history of heart attack or stroke, or diabetes—a private plan may be an excellent fit for you.

Open Enrollment only applies to Public Marketplace/ACA/Obamacare plans. You can enroll in those plans during the Open Enrollment period or if you experience a qualifying life event. Public plans can also be canceled at any time, so if you find coverage elsewhere that suits you better, switching is not an issue.

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Private health insurance, however, is available year-round. There are no enrollment windows or timing restrictions—you can enroll or make changes at any time.

Surprisingly, it’s often far more affordable than most people realize. Because private health insurance rates are determined by health status rather than income, those who qualify typically see lower monthly costs along with stronger benefits. In my own experience, switching to a private plan saved me $2,400 per year.

ACA/Obamacare:
ACA plans are ideal for individuals with significant pre-existing conditions or those who need maternity coverage. They can be affordable if you qualify for government subsidies based on income. However, without financial assistance, these plans often come with high premiums and high deductibles, since they are open to everyone regardless of health status.

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Employer Coverage:
Employer-sponsored plans are typically cost-effective for employees because employers are legally required to cover at least 50% of the employee’s monthly premium. The downside is that employers are not required to contribute toward the cost of adding family members. This often leads to a substantial increase in premiums for spouses and dependents, making family coverage significantly more expensive.

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Private Health Insurance:
Private plans are medically underwritten, meaning eligibility is based on your health. Because these plans group healthier individuals together in a lower-risk pool, they typically offer lower premiums and preferred rates. As a result, many people find private coverage to be more affordable than other options—while also providing stronger benefits.

Yes. Unlike employer-sponsored plans, both public and private health insurance plans have no long-term contracts. You are free to cancel or change your coverage at any time.

Yes! Private health insurance plans typically use PPO networks, providing nationwide coverage both on and off the job. Unlike some plans that restrict care to a specific zip code or county, private plans let you access care wherever you are.

Public Marketplace (ACA/Obamacare) plans calculate premiums based on income, age, and location. Without government subsidies, these plans can become quite expensive.

Private health insurance premiums are determined by health, age, and zip code.

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Be cautious of plans that seem unusually inexpensive. These are often short-term or cost-sharing plans with very limited coverage and typically do not cover pre-existing conditions. Only comprehensive plans provide full protection and benefits.

Not at all! I can also assist with Dental, Vision, Life, Supplemental, Critical Illness, Accident, Disability, and more. For any coverage outside my direct offerings, I work with a network of trusted referral partners and am happy to connect you with the right professional.