Private health insurance is a policy purchased from a private company that provides coverage for medical expenses. It offers a range of benefits, including access to a network of doctors and hospitals, coverage for preventive care, emergency services, and prescription drugs. Private health insurance is an alternative to government-sponsored programs and offers more flexibility and options for individuals and families.

You can purchase private health insurance during the open enrollment period, which for 2025 coverage is from November 1, 2024, to January 15, 2025. Outside of this period, you can only buy insurance if you qualify for a special enrollment period due to certain life events such as marriage, birth of a child, or loss of other coverage.

Private health insurance can be purchased directly from insurance companies, through licensed agents or brokers, or via the Health Insurance Marketplace. HealthPlusLife offers a range of private health insurance plans and can help you find the right coverage. Call us today at 888-828-5064 TTY 711 for assistance.

The cost of private health insurance varies based on factors such as your age, location, the type of plan you choose, and your overall health. Premiums, deductibles, copayments, and out-of-pocket maximums are all important considerations when evaluating the cost of a plan. HealthPlusLife can help you compare costs and find a plan that fits your budget.

Yes, private health insurance is an alternative to Obamacare plans. These plans offer different coverage options and may be purchased outside of the Health Insurance Marketplace. HealthPlusLife can help you explore your options and find a private health insurance plan that meets your needs.