Private health insurance is coverage that you purchase from a private insurance company, either directly or through a licensed agent like HealthPlusLife. It provides protection against medical expenses, including doctor visits, hospital stays, prescription medications, and preventive care. Private health insurance plans offer a range of options and flexibility, allowing you to choose the coverage that best fits your needs.

In general, you can only purchase private health insurance during the annual open enrollment period, which for 2025 is from November 1, 2024, to January 15, 2025. However, if you experience a qualifying life event, such as losing other health coverage, getting married, or having a baby, you may be eligible for a Special Enrollment Period (SEP) that allows you to enroll outside of the regular open enrollment period.

You can buy private health insurance on your own through an insurance company’s website, the Health Insurance Marketplace, or a licensed health insurance agent like HealthPlusLife. Our agents can help you compare different plans, understand your coverage options, and enroll in the best plan for your needs.

The cost of private health insurance varies based on several factors, including your age, location, the type of plan you choose, and the level of coverage you need. In Greeley, premiums for private health insurance plans can range from a few hundred to several hundred dollars per month. Additionally, you’ll need to consider deductibles, copayments, and out-of-pocket maximums when evaluating the total cost of a plan.

Yes, you can buy health insurance that is not part of the Affordable Care Act (ACA), commonly referred to as Obamacare. These plans, often called short-term health insurance or supplemental plans, may offer more limited coverage and may not include all the benefits required by ACA-compliant plans. It’s important to carefully review the benefits and limitations of these plans to ensure they meet your needs.