Private health insurance is coverage you buy directly from an insurance company instead of through the ACA marketplace. The plans we work with enroll year-round, are medically underwritten in most cases, and often cost less than unsubsidized marketplace plans for people in good health.
Yes. Private plans are not tied to the ACA Open Enrollment calendar. You can apply in any month, and coverage can typically start within days of approval.
Often, for people who don't qualify for large ACA subsidies. Enhanced ACA premium tax credits expired on December 31, 2025, and many marketplace premiums rose sharply in 2026 — so healthy individuals and families frequently find private plans more affordable. If you qualify for significant ACA savings, a licensed agent will tell you that instead.