Private health insurance is coverage that you purchase directly from an insurance company or through the Health Insurance Marketplace, rather than receiving it through an employer or government program. It allows you to choose from various plans that suit your healthcare needs and budget. In Mission, private health insurance offers flexibility in terms of providers and coverage levels, making it an ideal choice for many individuals and families.

While you can purchase private health insurance during the annual open enrollment period, there are also special enrollment periods triggered by qualifying life events, such as marriage, the birth of a child, or losing other health coverage. In Mission, the open enrollment period for 2025 runs from November 1, 2024, to January 15, 2025. Outside of this window, you’ll need to qualify for a special enrollment period to buy private health insurance.

You can purchase private health insurance in Mission directly from insurance providers, through the Health Insurance Marketplace, or with the help of licensed agents like those at HealthPlusLife. We can guide you through the process, help you compare plans, and ensure you find coverage that meets your needs.

The cost of private health insurance in Mission varies depending on factors like the plan type, coverage level, your age, and any applicable subsidies. On average, premiums for private health insurance can range from a few hundred to several thousand dollars annually. Additional costs, such as deductibles and co-pays, should also be considered when evaluating a plan.

Yes, in Mission, you can purchase health insurance outside of the ACA Marketplace, often referred to as off-exchange plans. These plans are still required to meet certain coverage standards but may offer different options or pricing compared to ACA-compliant plans. HealthPlusLife can help you explore both on-exchange and off-exchange private health insurance options to find the best fit for your needs.