Programs

It can be much more affordable than you'd think! Since the rates for private healthcare are based on health, and not your income, you will generally see lower prices AND better benefits if you can qualify. Most my clients save anywhere from $1300-3500 per year!

With Private Insurance you are in full control. You hold all your rights so you can cancel at any time. You can also customize your plan to fit your needs and not over pay for life events you don't need coverage for.

The Marketplace is best for those with major pre-existing conditions or those needing maternity coverage. It is affordable if you are under the income threshold that qualifies you for government subsidies. If you aren't getting government assistance, you are most likely over paying. These plans are mostly high premium & high deductibles because everyone can get on them. Private plans are medically underwritten, meaning you have to qualify based on your health. Since you are in a lower-risk pool of people, you get a lower premium and lower rates. You also can get better benefits upfront with 0 dollar deductibles and PPO Networks.

Nope! You can jump on a Private option when ever you'd like to. Only catch is you do have to apply and be accepted to join a medically underwritten plan, unlike the Marketplace theses options are not guaranteed to accept you.