Frequently asked questions
This only applies to Marketplace/ACA/Obamacare plans and Employer sponsored plans. There are Private plans you can sign up to any time of the year
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What are Private Insurance main benefits?
Private insurance involves medical underwriting, meaning your eligibility and rates are based on your health status. This generally results in lower premiums and better coverage compared to many other plans, as you're part of a lower-risk pool.
Isn't Private Heath Insurance really expensive?
​It's often more affordable then market place plans because private healthcare rates are determined by your health rather than your income. You can get lower costs and better benefits when you qualify.
What are the biggest differences between ACA/Obamacare, Employer Coverage, and Private Health Insurance?"
ACA/Obamacare plans are ideal for individuals with pre-existing conditions or those needing maternity coverage, and can be affordable with government subsidies, though they tend to have high premiums and deductibles without financial aid. Employer-sponsored plans often cover 50% of the employee's premium but can become costly for families since dependents are not subsidized. Private insurance, being medically underwritten, usually offers lower premiums and better coverage for those who qualify based on their health status.
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Will I qualify for Private Health Insurance?
If you are in relatively good health, you are a candidate for private insurance! While individual circumstances may vary, if you don't have major pre-existing conditions like cancer, heart disease, stroke, or diabetes, a private plan could be a good fit for you!
Are Private Plans HMO or PPO?
PPO!
This means you are covered everywhere Natoinwide!
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