Health
Private health insurance
A health insurance option outside the Marketplace, available in any month of the year.
These are private medical plans that don't go through the Health Insurance Marketplace (HealthCare.gov). Before approving you, the carrier reviews your health.
Who is it for?
- People who don't qualify for the Marketplace tax credit.
- People who can't buy through the Marketplace because of their immigration status.
- People who missed Open Enrollment.
Key points
- I work with several carriers.
- The carrier reviews your health and may not accept the application.
- What you already had before applying may not be covered.
- There is no tax credit: you pay the full premium.
- You can apply in any month, without waiting for Open Enrollment.
I explain each plan's requirements before you apply.
In plain words
- Underwriting
- The review the insurance company does before approving you.
- Pre-existing condition
- Something you already had before buying the policy. It is usually not covered at first.
- Premium
- What you pay every month to keep the insurance.
- Deductible
- What you pay out of your own pocket before the insurance starts paying.
- Network
- The list of doctors and hospitals your plan accepts. Outside that list, you pay more.
Questions about this coverage
How much does the consultation cost?
The consultation is free.
What do I need for a quote?
Your ZIP code, the ages of the people you want to cover and, for Obamacare, an estimate of your household income for the year.
General information, not an offer of coverage. Approval, coverage and exclusions depend on the health review and the carrier.