Customized Healthcare Plans That Put You First
Private health insurance offers individuals and families the flexibility to choose the healthcare coverage that best suits their needs—beyond what’s offered by government programs like ACA (Obamacare). These plans are available through private insurance companies and can provide broader networks, quicker access to specialists, and more personalized options.
– Wider Provider Network: Choose your doctors, hospitals, and specialists without referrals (especially with PPO plans).Flexible Plan – Options: Tailor coverage levels, deductibles, and copays to meet your budget and care needs.
– Faster Access to Care: Shorter wait times for procedures and specialist visits.
– Enhanced Services: Includes wellness programs, mental health support, dental, vision, and even international coverage (depending on the plan).
– Self-employed individuals or small business owners
– High-income earners not eligible for ACA subsidies
– Individuals who prefer more control over their care and providers
– Families needing customizable benefits and broader access
Our team will guide you through the best options to match your health needs and financial goals. Let us help you find the coverage that brings peace of mind and premium protection—without compromise.
Choosing the right health insurance can feel overwhelming. We’re here to simplify it for you. Below is a clear comparison between Private Health Insurance and ACA (Affordable Care Act) coverage to help you decide which is right for you or your family.
| Feature | Private Health Insurance | ACA (Obamacare) |
|---|---|---|
| Eligibility | Open to everyone; no income limits | Income-based; subsidies depend on household income |
| Subsidies/Tax Credits | Not available | Government may subsidize premium & out-of-pocket costs |
| Provider Choice | Often broader networks with nationwide access (PPOs, etc.) | Limited to regional networks, more HMO options |
| Plan Customization | Highly customizable – you choose coverage levels | Standardized plans (Bronze, Silver, Gold, Platinum) |
| Enrollment Period | Year-round (some plans may have rules) | Limited to Open Enrollment or Special Enrollment periods |
| Ideal For | High-income earners, business owners, frequent travelers | Lower to middle income individuals/families needing subsidies |
| Cost | Can be higher without subsidies | More affordable with income-based tax credits |
Choose ACA if you qualify for subsidies or prefer standardized, regulated plans.
Choose Private Insurance if you want more freedom, flexibility, and access—even outside Open Enrollment.
📞 Contact us today and we’ll help you compare your options and pick the plan that best fits your budget, lifestyle, and health needs.
