Private health insurance is coverage provided by non-governmental entities, such as insurance companies or brokers. It offers a range of plans with varying coverage options and provider networks, allowing individuals and families to choose a plan that best suits their needs.

Typically, you can purchase private health insurance during the Open Enrollment Period, which for 2025 runs from November 1, 2024, to January 15, 2025. However, you may qualify for a Special Enrollment Period if you experience certain life events, such as losing other coverage, getting married, or having a baby.

You can buy private health insurance through online marketplaces, directly from insurance companies, or with the help of brokers like HealthPlusLife. We can assist you in comparing plans and finding the best coverage for your needs.

The cost of private health insurance varies based on factors like the type of plan, coverage level, your age, and location. Premiums, deductibles, co-pays, and out-of-pocket maximums all contribute to the overall cost. HealthPlusLife can help you understand these costs and find an affordable plan.

Yes, you can buy 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 purchased directly from insurance companies. HealthPlusLife can help you explore these options and determine if they meet your needs.