Private health insurance is coverage provided by private companies rather than the government. It offers a range of plans that cover various medical services, from routine check-ups to major surgeries. With private health insurance, you pay premiums to an insurer, who then pays for covered healthcare services as per the plan’s terms.

Private health insurance is coverage provided by private companies rather than the government. It offers a range of plans that cover various medical services, from routine check-ups to major surgeries. With private health insurance, you pay premiums to an insurer, who then pays for covered healthcare services as per the plan’s terms.

Private health insurance is coverage provided by private companies rather than the government. It offers a range of plans that cover various medical services, from routine check-ups to major surgeries. With private health insurance, you pay premiums to an insurer, who then pays for covered healthcare services as per the plan’s terms.

In most cases, you can only buy private health insurance during the Open Enrollment Period, which for 2025 runs from November 1, 2024, to January 15, 2025. However, certain life events, such as losing other health coverage, getting married, or having a baby, may qualify you for a Special Enrollment Period, allowing you to enroll outside of the standard period.

You can buy private health insurance directly from insurance companies, through the Health Insurance Marketplace, or with the assistance of brokers like HealthPlusLife. Each option offers different plans and benefits, so it’s important to compare them to find the best fit for your needs.

The cost of private health insurance varies based on factors such as the level of coverage, your age, location, and health status. Premiums can range from a few hundred to several thousand dollars per year. Additionally, consider out-of-pocket costs like deductibles, co-pays, and co-insurance when evaluating the total cost of a plan.

Yes, you can buy health insurance plans that are not part of the Affordable Care Act (ACA) marketplace. These plans, known as off-exchange plans, can be purchased directly from insurers or through brokers like HealthPlusLife. They may offer different benefits and coverage options compared to ACA plans.