Private Health Insurance Plans
Flexible Coverage Options Outside the Marketplace Comprehensive Health Insurance Solutions — Without Income Restrictions
Not everyone qualifies for government subsidies or tax credits through the Health Insurance Marketplace — and that’s okay.
What Is Private (Off-Exchange) Health Insurance?
Private health insurance refers to health plans purchased outside of Healthcare.gov or state exchanges. These plans are offered by nationally recognized insurance carriers and are not tied to income, subsidies, or government enrollment periods. Private plans are ideal for:
- Individuals who do not qualify for ACA tax credits
- Self-employed individuals and independent contractors
- Small business owners
- Families seeking more plan flexibility
- Those wanting coverage outside Open Enrollment
Why Choose Private Health Insurance?
Key Benefits of Off-Exchange Health Plans
No Income Limits or Subsidy Requirements
Licensed advisors who tailor coverage to your situation and risk profile—so you get exactly what you need.
Lower Monthly Premiums for Many Individuals
Especially for healthy individuals and families who don’t qualify for ACA subsidies.
Year-Round Enrollment
Enroll anytime — no need to wait for Open Enrollment or a qualifying life event.
Custom Plan Design
Choose plans with doctor visit copays, hospital coverage, prescription benefits, and more.
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Access broad networks with nationwide provider coverage (plan dependent).
Fast Approval & Simple Enrollment
Many plans offer quick underwriting decisions and fast effective dates.
Ideal for the Self-Employed & Business Owners
Perfect for entrepreneurs who want flexibility and control over coverage.
Who Is Private Health Insurance Best For?
Private health insurance may be a strong option if:
- You earn too much to qualify for ACA subsidies
- You want coverage immediately
- You are self-employed or a 1099 contractor
- You want lower premiums than Marketplace plans
- You value network flexibility and plan customization
- You are transitioning between jobs or insurance plans
How Private Health Insurance Works Private plans typically use medical underwriting, which means:
- Rates are based on health history, age, and plan selection
- Healthier applicants often receive better pricing
- Coverage is tailored to your actual needs — not government mandates
Our licensed advisors walk you through every step to ensure you understand your coverage, benefits, and options.
We don’t sell one plan — we help you choose the right plan.
Call to Action Section Get a Personalized Private Health Insurance Quote Today. Speak with a licensed Amerus Financial advisor to see if private health insurance is right for you.
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Frequently Asked Questions
No. Private health insurance is purchased directly from insurance companies rather than through the ACA Marketplace. These plans typically do not qualify for government subsidies, but they may offer more flexibility in provider choice, plan customization, and pricing options depending on your age and health status.
ACA Marketplace plans are often income-based and designed to provide financial assistance to qualifying households, while private plans are generally selected for specific coverage preferences, travel flexibility, or specialized benefit structures.
In many cases, private health insurance can be purchased year-round, unlike ACA Marketplace plans that have specific enrollment periods. However, availability may depend on underwriting rules, employer benefits, or qualifying life events.
Some carriers may require medical questionnaires or health screening, and premiums may vary based on risk factors, age, or medical history.
Coverage for pre-existing conditions depends on the type of private health plan. ACA-compliant private plans must cover pre-existing conditions, but some short-term or limited benefit plans may exclude or limit coverage.
It is important to review policy terms carefully to understand waiting periods, exclusions, or coverage restrictions related to chronic medical conditions.
Yes. Many private plans use provider networks to help control costs. These networks may include preferred doctors, hospitals, and specialists that offer lower out-of-pocket expenses when used.
Some private plans may also offer out-of-network coverage, but usually at higher cost-sharing rates.
Pricing varies widely depending on age, health status, deductible levels, and coverage features. Some private plans can be cheaper upfront but may have higher deductibles or fewer benefits.
Comparing multiple plans side-by-side is usually the best way to find the best balance between monthly premiums and out-of-pocket costs.
Private health insurance can be good for families who want customized coverage options, access to broader provider networks, or supplemental protection beyond employer or government plans.
Families should evaluate monthly costs, deductibles, pediatric coverage, and prescription benefits when selecting a plan for dependents.
Choosing the best plan requires evaluating your budget, health conditions, doctor preferences, and prescription needs. Many people compare premiums, deductibles, copays, and network coverage before making a decision.
Speaking with a licensed insurance advisor can also help simplify the selection process and ensure your coverage matches your financial and medical goals.