Private health insurance is a type of health coverage that is purchased by individuals or provided by employers. Unlike public health insurance programs, private health insurance plans are offered by private companies and provide coverage for a range of medical services. Having private health insurance means you have access to a network of healthcare providers and coverage for various medical expenses, depending on the plan you choose.

While you can apply for private health insurance during the open enrollment period, which runs from November 1, 2024, to January 15, 2025, there are also special enrollment periods available if you experience certain life events. These events include losing other health coverage, moving, getting married, or having a baby. HealthPlusLife can help you determine if you qualify for a special enrollment period and guide you through the application process.

You can purchase private health insurance directly from insurance companies, through insurance brokers, or via the Health Insurance Marketplace. HealthPlusLife can assist you in comparing different plans and providers to find the best option for your needs. Our team is here to help you navigate the process and ensure you have the coverage you need.

The cost of private health insurance varies depending on several factors, including the type of plan, the level of coverage, your age, and your location. In Chico, the cost of private health insurance can range from affordable basic plans to more expensive comprehensive plans. HealthPlusLife can help you find a plan that fits your budget while providing the coverage you need.

Yes, you can purchase private health insurance plans that are not part of the Affordable Care Act (ACA) marketplace. These plans may offer different benefits and coverage options compared to ACA-compliant plans. HealthPlusLife can help you explore these options and find a plan that meets your needs, whether it’s through the ACA marketplace or directly from an insurance provider.