Private Health
Health coverage
beyond the Marketplace.
Private health insurance can offer another route for individuals and families who want to explore coverage outside the Marketplace. We help you compare available options based on your needs, budget, network preferences, and eligibility.
Private Coverage•Multiple Options•Personal Guidance
What is private health insurance?
Private health insurance refers to coverage options available outside the Health Insurance Marketplace. Depending on the product, these plans can differ in how they handle eligibility, provider networks, benefits, deductibles, and out-of-pocket costs.
Because private coverage varies significantly by plan, the right option depends on your health, budget, preferred providers, prescriptions, and coverage priorities. We help you understand those differences before you choose.
Options outside the Marketplace
Explore available coverage beyond Marketplace plans based on your individual situation.
Different plan structures
Networks, benefits, cost-sharing, eligibility requirements, and coverage terms can vary by product.
Personal comparison
Compare private and Marketplace routes when appropriate instead of assuming one is automatically the better fit.
When might private coverage make sense?
Private coverage may be worth comparing when Marketplace options don’t align with your budget, network preferences, or overall coverage needs.
You don’t qualify for significant Marketplace savings
If you’re paying full price for Marketplace coverage, comparing other available options may be worthwhile.
You’re self-employed
Without employer-sponsored benefits, you may have multiple routes to consider for your health coverage.
You want different network options
Available private plans may offer different provider network structures depending on the product and your location.
You want to compare before deciding
Understanding both Marketplace and private options can help you make a more informed coverage decision.
Private or Marketplace? It depends.
Neither option is automatically better. The right route depends on your eligibility, budget, health needs, providers, prescriptions, and the coverage available where you live.
Marketplace Health
Eligibility
ACA-compliant coverage generally available regardless of health history, subject to enrollment rules.
Financial assistance
Eligible households may qualify for premium tax credits that reduce monthly premiums.
Pre-existing conditions
Marketplace plans cannot deny coverage or charge more based on pre-existing conditions.
Plan selection
Available carriers, networks, benefits, and costs vary by location.
Private Health
Eligibility
Requirements vary by product. Some private options may use health-based eligibility or underwriting.
Financial assistance
Marketplace premium tax credits generally do not apply to coverage purchased outside the Marketplace.
Coverage & networks
Benefits, provider networks, cost-sharing, and coverage terms vary significantly by product.
Plan selection
Available options depend on your location, eligibility, and the products offered.
You don’t have to figure out which route makes sense on your own.
Compare Both Options →Private health questions, answered.
See which route fits you.
Compare available private and Marketplace options with a broker who can help you understand the differences.