Private health insurance refers to health coverage provided by private entities rather than government programs. These plans offer a range of benefits, including access to a broader network of healthcare providers, customizable coverage options, and the ability to tailor plans to individual needs.

While you can purchase private health insurance at any time, enrollment periods can affect your ability to sign up for a new plan. The next open enrollment period for 2025 coverage is from November 1, 2024, to January 15, 2025. Special enrollment periods may also be available if you experience certain life events, such as marriage, birth, or loss of other coverage.

You can purchase private health insurance directly from insurance companies, through insurance agents or brokers, or via the Health Insurance Marketplace. Each option provides access to different plans and coverage levels, allowing you to choose the best fit for your needs.

The cost of private health insurance varies based on factors such as age, location, plan type, and coverage level. In Clovis, premiums can range from affordable options for those on a budget to more comprehensive plans with higher premiums. HealthPlusLife can help you compare costs and find a plan that fits your financial situation.

Yes, you can purchase health insurance plans that are not part of the Affordable Care Act (ACA) marketplace. These plans may offer different benefits and coverage levels. However, it’s important to ensure that the plan you choose meets your healthcare needs and complies with state regulations. HealthPlusLife can assist you in finding both ACA-compliant and non-ACA plans in Clovis.