Private Insurance
Private health insurance, without the runaround.
Private (off-exchange) plans are health insurance policies sold directly by carriers, outside of Healthcare.gov and state marketplaces. They can offer broader networks and can often enroll year-round, but they don't use ACA premium tax credits.
Who this may suit
- Households whose income is too high to receive marketplace subsidies.
- Anyone who wants access to a broader PPO network.
- People who missed Open Enrollment and don't qualify for a Special Enrollment Period.
- Consumers prioritizing plan flexibility over subsidized pricing.
Important considerations
- Private plans do not use ACA premium tax credits.
- Coverage rules, benefits, and underwriting vary — not all private plans are ACA-compliant.
- Some private plans use medical underwriting; approval and pricing depend on health history.
- Provider networks vary; always confirm your doctors and prescriptions are covered before enrolling.
Common questions
Is 'private' the same as 'off-exchange'?+
Usually, yes. Private / off-exchange means the plan is purchased directly from an insurance carrier or through a licensed broker, rather than through the government marketplace.
Can I enroll any time of year?+
Many private plans issue year-round, subject to carrier rules and underwriting. This is different from marketplace plans, which typically require Open Enrollment or a qualifying life event.
Does private mean better?+
Not automatically. Some private plans are excellent; others are limited or short-term. We look at the actual plan documents together.
Related coverage
Plan availability, eligibility, pricing, benefits, provider networks, and underwriting requirements vary by state, carrier, and individual circumstances. Summit Health Advisors does not represent every carrier or every plan available in your area. Submitting information does not guarantee coverage, pricing, enrollment, or eligibility.