Having private health insurance means you have purchased a health insurance policy from a private company, either independently or through your employer. This insurance helps cover the cost of medical expenses, providing financial protection and access to necessary healthcare services.

You can buy private health insurance during the annual open enrollment period, which typically runs from November 1 to January 15 for coverage starting in the new year. Outside of this period, you may be eligible for a special enrollment period if you experience certain life events, such as marriage, birth of a child, or loss of other health coverage.

You can purchase private health insurance on your own through the Health Insurance Marketplace, directly from insurance companies, or with the assistance of a licensed insurance broker. HealthPlusLife can help you navigate these options and find the best plan for your needs.

The cost of private health insurance varies based on factors such as your age, location, plan type, and level of coverage. Premiums, deductibles, copayments, and out-of-pocket maximums all contribute to the overall cost. It’s important to compare different plans to find one that fits your budget while providing the coverage you need.

Yes, you can buy health insurance that is not part of the Affordable Care Act (ACA) Marketplace, often referred to as “Obamacare.” These plans can be purchased directly from insurance companies or through employers. However, non-ACA plans may not include all the essential health benefits mandated by the ACA, so it’s important to review the coverage details carefully.