Having private health insurance means you are covered by a plan purchased from a private company rather than a government program. These plans offer a range of coverage options and typically provide greater flexibility in choosing healthcare providers and facilities.

In general, you can only buy private health insurance during the open enrollment period or if you qualify for a Special Enrollment Period due to a life event such as marriage, birth of a child, or loss of other coverage. The open enrollment period for 2025 is from November 1, 2024, to January 15, 2025.

You can buy private health insurance through the Health Insurance Marketplace, directly from insurance companies, or through brokers like HealthPlusLife. Our team can help you compare plans and find the best option for your needs.

The cost of private health insurance varies based on factors such as the type of plan, coverage level, your age, and health status. HealthPlusLife can provide personalized quotes and help you understand the costs associated with different plans.

Yes, you can buy health insurance that is not part of the Affordable Care Act (Obamacare) through private insurance companies or brokers. These plans may not include all the essential health benefits required by ACA plans but can offer more flexibility and different coverage options.