Private health insurance is a type of coverage that you purchase directly from a private insurance company rather than through a government program like Medicare or Medi-Cal. It provides access to a wide range of healthcare services, including doctor visits, hospital stays, preventive care, and prescription medications. In Redlands, having private health insurance means you have more control over your healthcare choices and can tailor your coverage to meet your specific needs.

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

You can purchase private health insurance in Redlands directly from insurance companies, through an insurance broker, or via the Health Insurance Marketplace. HealthPlusLife can assist you in comparing plans from various providers to find the one that best fits your needs and budget. We can guide you through the process of purchasing health insurance on your own, ensuring that you understand all your options.

The cost of private health insurance in Redlands varies depending on factors such as the type of plan you choose, your age, your health status, and the level of coverage you require. On average, premiums for individual health insurance plans can range from a few hundred to several thousand dollars per year. Family health insurance plans typically cost more but may offer better value when covering multiple family members. HealthPlusLife can help you find a plan that offers the right balance of cost and coverage.

Yes, you can purchase health insurance that is not part of the ACA (commonly known as Obamacare). These plans are typically offered by private insurance companies and may include short-term health insurance, catastrophic plans, or other options not subject to ACA regulations. However, it’s important to carefully review these plans as they may not provide the same level of coverage as ACA-compliant plans. HealthPlusLife can help you explore all your options, ensuring you make an informed decision.