1. When to Apply for Private Insurance

You can apply any time — there are no enrollment periods. Private health plans are available year-round for individuals and families who want more flexible coverage options.

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2. Is Private Insurance Income-Based?

No. Marketplace plans base savings on household income, while private carriers base rates on health and risk profile. For healthy individuals and families, this can mean significantly lower premiums than Marketplace coverage. Private plans may review health history and can deny pre-existing conditions, so working with an experienced agent helps you find the best available options.

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3. How Can I Apply for Coverage?

You can compare plans instantly by selecting “Instant Quote” or schedule a call with a Licensed Agent for one-on-one help. We’ll customize coverage to your exact needs — making sure you’re protected without overpaying for extras you don’t need.

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4. Speak to a Licensed Insurance Agent

Our licensed advisors simplify the process from start to finish. We’ll find your best options, explain the differences between plans, and guide you through enrollment the same day. ​​Speak to an Agent – To see the full list of carriers we work with, click here.