Private health insurance refers to health coverage provided by non-governmental entities. This type of insurance can be purchased individually, through an employer, or via health insurance marketplaces. It offers various plans with different levels of coverage and flexibility.

While the primary opportunity to enroll in private health insurance is during the open enrollment period, you can also enroll during a Special Enrollment Period (SEP) if you experience qualifying life events such as marriage, birth, or loss of other health coverage.

You can purchase private health insurance on your own through health insurance marketplaces, directly from insurance companies, or with the help of insurance brokers like HealthPlusLife. We can help you explore all available options and find the best plan for your needs.

The cost of private health insurance varies based on several factors, including the type of plan, the level of coverage, your age, location, and whether you are purchasing individual or family coverage. Generally, you will need to consider premiums, deductibles, co-pays, and out-of-pocket maximums when evaluating costs.

Yes, you can buy health insurance plans that are not ACA-compliant. However, these plans may not cover all the essential health benefits mandated by the ACA and may have other limitations. It is important to understand the coverage and limitations of these plans before enrolling.