Private health insurance refers to health coverage provided by private companies rather than government programs. It offers various plans that can include a range of medical services, from routine check-ups to emergency care. Having private health insurance means you have access to a network of healthcare providers and services covered by your plan, often with the flexibility to choose providers and tailor coverage to your needs.

In general, you can purchase private health insurance during the annual open enrollment period, which for 2025 is from November 1, 2024, to January 15, 2025. Outside of this period, you can only enroll if you qualify for a Special Enrollment Period (SEP) due to certain life events such as marriage, birth of a child, or loss of other coverage.

You can purchase private health insurance directly from insurance companies, through online marketplaces, or with the assistance of insurance brokers like HealthPlusLife. We can help you compare plans from different providers and find the one that best suits your needs and budget.

The cost of private health insurance varies based on factors such as age, location, type of plan, and level of coverage. In Jurupa Valley, premiums can range from a few hundred to several hundred dollars per month. Additional costs may include deductibles, copayments, and coinsurance. HealthPlusLife can provide personalized quotes based on your specific situation.

Yes, you can purchase private health insurance plans that are not part of the Affordable Care Act (Obamacare) marketplace. These plans are often referred to as off-exchange plans and can be bought directly from insurance companies or through brokers. They may offer different benefits and pricing compared to ACA-compliant plans.