Private health insurance refers to coverage provided by private companies as opposed to government programs like Medicaid or Medicare. It offers a range of plans with varying levels of coverage, allowing individuals and families to choose one that best fits their healthcare needs and financial situation.

Generally, you can only purchase private health insurance during the open enrollment period. However, if you experience a qualifying life event, you may be eligible for a special enrollment period that allows you to buy insurance outside of the standard enrollment window.

You can purchase private health insurance directly from insurance companies, through the Health Insurance Marketplace, or with the assistance of a licensed insurance broker like HealthPlusLife. Each option provides access to a variety of plans tailored to different needs and budgets.

The cost of private health insurance varies based on factors such as the type of plan, level of coverage, and your age and health status. Premiums, deductibles, copayments, and out-of-pocket maximums all contribute to the overall cost. HealthPlusLife can help you compare different plans to find one that fits your budget.

Yes, you can buy private health insurance plans that are not part of the Affordable Care Act (Obamacare). These plans may offer different benefits and coverage options. However, it’s important to ensure that any plan you consider meets your healthcare needs and complies with state and federal regulations.