Private health plans, explained honestly

Plans bought directly from insurance companies, outside the Marketplace. For healthy people who earn too much for help, they can cost less and offer wider networks. They also play by different rules.

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At a glance

What it isHealth plans bought directly from an insurance company.MoreLess

You work with us and the carrier, not the government Marketplace. Many private plans ask about your health first.

What you getMore choice of plans and doctor networks, sometimes at a lower price.MoreLess

Healthy people above the tax-credit range can pay less. Benefits vary more than on Marketplace plans, so we compare what each one pays.

Good ifYou earn too much for a tax credit and everyone is healthy.MoreLess

Also useful if you need coverage to start outside open enrollment. Many private plans can start any time of year.

Keep in mindNot a Marketplace plan. It can decline you or exclude a condition.MoreLess

No tax credit applies, and it isn’t required to cover pre-existing conditions. If anyone in your household has one, start with the Marketplace.

Keep in mind

What you should know before you choose. We would rather you hear it from us now.

Not a Marketplace plan

It is not required to cover pre-existing conditions or every benefit a Marketplace plan includes, and no tax credit applies.

Health history counts

A private plan can rate you higher, exclude a condition, or decline you based on your health. We tell you when a plan does this.

Read the details

Coverage differs from plan to plan. We compare what each one actually pays before you choose.

Obamacare Hotline and/or Medicare Po Polsku are private companies not affiliated with any local, state, or federal government agency.

Pair it with these supplementals

Hospital indemnityWhen it paysYou’re admitted to the hospital.See the full card

Accident coverageWhen it paysYou have a covered injury.See the full card

Dental and visionGood ifYour health plan leaves out adult dental and vision.Learn more

Supplementals work alongside your health plan and do not replace it. Hospital indemnity and critical illness policies are not health insurance coverage. Costs depend on your age and plan; we go through them in your free consultation.

Compare it with

Marketplace (ACA) plansPre-existing conditions covered, no health questions, tax credits under 4×.Learn more Short-term plansA temporary bridge for a few months.Learn more

Questions people ask

How is a private plan different from a Marketplace plan?

A Marketplace plan can come with an income-based tax credit and always covers pre-existing conditions. A private plan is bought directly from a carrier, carries no credit, and its rules on health history depend on the plan. We compare both for you.

Can I get a tax credit on a private plan?

No. Financial help only exists on the Marketplace. If you might qualify, we look at the Marketplace first.

Are private plans ACA-compliant?

Some are and some are not. We tell you which rules each plan follows before you choose.

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2A licensed advisor calls you
Within 24 hours.
3We go through every option
With what to keep in mind on each one. It costs you nothing.

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