Private health insurance is a type of coverage that you purchase through a private insurance company, either individually or through an employer. Unlike public insurance programs like Medicare or Medicaid, private health insurance is paid for through premiums, which are often shared between you and your employer if you’re covered through work. This type of insurance provides access to a wide range of healthcare services, from doctor visits and hospital stays to prescription drugs and preventive care.

Having private health insurance in Folsom means that you have a financial safety net in place for your healthcare needs. It allows you to access medical services with reduced out-of-pocket costs and ensures that you receive the care you need without financial strain.

In most cases, you can only buy private health insurance during the annual open enrollment period. For 2025 coverage, this period runs from November 1, 2024, to January 15, 2025. However, certain life events, such as losing your job, getting married, or having a baby, may qualify you for a special enrollment period, allowing you to sign up for coverage outside the regular open enrollment window.

If you’re considering private health insurance in Folsom, it’s important to be aware of these enrollment periods. HealthPlusLife can help you understand when and how to enroll, ensuring you don’t miss out on the coverage you need.

You can purchase private health insurance in Folsom through various channels. One of the most common ways is through the Health Insurance Marketplace, where you can compare plans and see if you qualify for any subsidies. Additionally, you can buy insurance directly from insurance companies, through a broker, or by working with an agency like HealthPlusLife.

Our team at HealthPlusLife can help you explore all your options and find the best private health insurance plan for your needs. Whether you prefer to shop on the Marketplace or work directly with an insurer, we’re here to assist you every step of the way.

The cost of private health insurance in Folsom varies depending on several factors, including the type of plan you choose, your age, your location, and whether you’re insuring just yourself or your family. On average, premiums can range from a few hundred to several thousand dollars per month, depending on the level of coverage and the specific plan.

HealthPlusLife can help you compare the costs of different private health insurance plans in Folsom, taking into account your budget and healthcare needs. We’ll work with you to find a plan that offers the best value without sacrificing the coverage you need.

Yes, in Folsom, you can purchase health insurance that is not part of the Affordable Care Act (ACA), commonly known as Obamacare. These plans, often referred to as off-exchange plans, are sold directly by insurance companies and may offer different coverage options than those available through the ACA Marketplace. However, it’s important to carefully consider these options, as they may not include all the essential health benefits required by the ACA.