Private / Off-Marketplace Health Insurance
Flexible, ACA-level coverage with more network choices, tailored benefits, and personal guidance — without going through the Marketplace..
What Are Private / Off-Market Plans?
Private (off-marketplace) health insurance plans are purchased directly from a carrier or through a licensed agent, rather than via Healthcare.gov or a state exchange. Many are ACA-compliant—covering essential benefits like preventive care, prescriptions, hospitalization, and maternity—yet they’re not tied to the subsidy system.
How They’re Similar to ACA Plans
Cover the same essential health benefits required by the Affordable Care Act
Accept all applicants regardless of pre-existing conditions (if ACA-compliant)
Often use the same networks as their Marketplace counterparts
How They Differ
No subsidies — you’ll pay the full premium without government assistance
Different enrollment path — purchased directly, not through the exchange
May offer different provider networks or added perks (wellness programs, travel coverage, virtual care bundles)
Some plans marketed as “private” are not ACA-compliant and may exclude certain benefits or conditions — we help you avoid those
How They Differ
No subsidies — you’ll pay the full premium without government assistance
Different enrollment path — purchased directly, not through the exchange
May offer different provider networks or added perks (wellness programs, travel coverage, virtual care bundles)
Some plans marketed as “private” are not ACA-compliant and may exclude certain benefits or conditions — we help you avoid those
Why Choose a Private / Off-Market Plan?
You don’t qualify for subsidies but want full ACA-level benefits
You want access to a nationwide PPO or a specific hospital/doctor not on ACA plan networks
You value added extras like enhanced telehealth or wellness incentives
You prefer direct enrollment without going through the Marketplace
Our Role
We help you:
Confirm your doctors and hospitals are in-network
Compare total cost of care, not just the monthly premium
Avoid limited-benefit “look-alike” plans that leave gaps in protection
Enroll quickly and confidently, with year-round support
Disclaimer: Private plan quotes are estimates and may change based on underwriting, state rules, and final carrier approval.
The quote request form we use is the same as for ACA/Marketplace coverage for efficiency, but completing this form does not mean you will be enrolled in an ACA/Marketplace plan. Using the same form helps us save time, avoid duplicate data entry, and reduce paperwork later.
