Affordable Health Insurance Beyond the Marketplace
If you’re self-employed, own a small business, work as a 1099 contractor, or don’t qualify for affordable Marketplace coverage, private health insurance may provide an alternative option.
Many private health insurance plans offer:
✓ Nationwide PPO Networks
✓ Lower Deductibles
✓ Copays for Doctor Visits
✓ Telemedicine Benefits
✓ Access to Large Provider Networks
✓ Coverage Available Year-Round
Private health insurance refers to health coverage offered outside of the Health Insurance Marketplace.
Unlike Marketplace plans, some private health insurance options may be designed specifically for:
These plans may provide access to large provider networks and benefits that differ from Marketplace offerings.
Many Marketplace plans have:
Private health insurance may offer:
The best option depends on your healthcare needs, household size, budget, and eligibility.
| Feature | Private Health Insurance | Marketplace Plans |
|---|---|---|
| Available Year-Round | Often Yes | Usually No |
| Special Enrollment Required | Often No | Yes |
| PPO Availability | Often Available | Varies |
| Copays Before Deductible | Often Available | Varies |
| Subsidies Available | No | Yes |
| Based on Income | No | Yes |
| Network Options | Often Broad PPO Networks | Varies by Area |
Nationwide PPO Networks
Many plans provide access to large PPO provider networks, allowing members to see providers across the country.
Potential Network Options
Network availability varies by plan and location.
Doctor Visit Copays
Instead of paying the full cost of a visit until a deductible is met, some plans may include predictable copays for:
Lower Deductible Options
Many self-employed individuals seek alternatives to high deductible Marketplace plans.
Depending on eligibility, private plans may offer:
Telemedicine Benefits
Many plans include access to virtual healthcare services.
Common telehealth services may include:
Private health insurance may be worth exploring if:
✓ You are self-employed
✓ You are a 1099 contractor
✓ You own a small business
✓ You do not qualify for significant Marketplace subsidies
✓ You want PPO access
✓ You prefer lower deductibles and copays
✓ You need coverage outside Open Enrollment
Many private health insurance plans are available throughout the year, subject to eligibility requirements.
No. Private plans are separate from Marketplace coverage.
Many plans utilize large PPO provider networks, though availability varies.
Yes. Many private health insurance options are designed specifically for self-employed individuals.
No. Marketplace subsidies generally only apply to Marketplace plans.
Comparing both Marketplace and private health insurance options can help determine which solution fits your healthcare needs and budget.
Whether you're looking for a nationwide PPO network, lower deductibles, predictable copays, or simply want to explore alternatives to Marketplace coverage, we're here to help.
We are ready to find the best insurance quote for you
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