Private health insurance is a type of coverage that you purchase from a private company rather than through a government program like Medicare or Medicaid. It provides financial protection against the high costs of medical care, including doctor visits, hospital stays, prescription drugs, and other health services. In Milpitas, private health insurance is available through various providers, offering a range of plans to meet individual and family needs.

While you can shop for private health insurance at any time, there are specific enrollment periods during which you can enroll in a new plan or make changes to your existing coverage. The annual open enrollment period for 2025 coverage runs from November 1, 2024, to January 15, 2025. Outside of this period, you may only be able to enroll in a plan if you qualify for a Special Enrollment Period due to a qualifying life event, such as marriage, the birth of a child, or loss of other coverage.

You can purchase private health insurance in Milpitas directly from insurance providers, through an insurance broker, or via the Health Insurance Marketplace. HealthPlusLife can assist you in navigating these options, helping you compare plans and find one that fits your needs and budget. Our experts can also provide guidance on whether you might qualify for subsidies or other financial assistance to help lower your premium costs.

The cost of private health insurance in Milpitas varies depending on several factors, including the type of plan, your age, your health status, and the level of coverage you choose. Premiums can range from a few hundred dollars to over a thousand dollars per month, depending on the plan’s benefits and your personal circumstances. It’s important to consider not just the premium but also other costs like deductibles, copayments, and out-of-pocket maximums when evaluating the total cost of a health insurance plan.

Yes, you can buy health insurance that is not part of the Affordable Care Act (ACA) marketplace, commonly referred to as Obamacare. These plans, often called off-exchange plans, are sold directly by insurance companies and may offer different benefits or have different eligibility requirements compared to ACA plans. HealthPlusLife can help you explore both ACA-compliant and off-exchange options to find the coverage that best meets your needs in Milpitas.