Private health insurance is a type of coverage provided by private companies rather than government programs. It helps cover the cost of medical expenses, including doctor visits, hospital stays, prescription medications, and preventive care. Private health insurance in Redwood City can be purchased directly by individuals or provided through an employer.

In general, you can only enroll in private health insurance during the annual Open Enrollment Period (OEP), which for coverage in 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 (SEP), allowing you to enroll outside the OEP.

You can purchase private health insurance in Redwood City through the Health Insurance Marketplace, directly from insurance companies, or through licensed agents like those at HealthPlusLife. Our agents can help you navigate the options and find a plan that fits your needs.

The cost of private health insurance in Redwood City varies depending on factors like the type of plan, the level of coverage, your age, and whether you’re purchasing individual or family health insurance. It’s important to consider both the monthly premium and out-of-pocket costs when comparing plans.

Yes, you can purchase private health insurance that is not part of the Affordable Care Act (ACA) marketplace. These plans are often referred to as off-exchange plans and can be bought directly from insurance companies. However, it’s important to compare these plans carefully to ensure they meet your healthcare needs.