Private health insurance is a type of coverage purchased from insurance companies or brokers, rather than being provided by the government. It offers a range of benefits, including flexibility in choosing providers, various coverage options, and access to additional services like wellness programs.

While the open enrollment period is the primary time to purchase private health insurance, you can also enroll during special enrollment periods if you experience qualifying life events such as marriage, birth of a child, or loss of other health coverage.

You can buy private health insurance through HealthPlusLife, which offers a variety of plans from different insurers. Our advisors can help you compare options and select the best plan for your needs.

The cost of private health insurance varies depending on factors such as the type of plan, coverage level, age, and location. In Santa Barbara, premiums can range from affordable basic plans to more expensive comprehensive options.

Yes, you can purchase private health insurance plans that are not part of the ACA marketplace. These plans may offer different coverage options and benefits, and HealthPlusLife can help you explore all available choices.