Private Health Insurance Plans for Individuals & Families

Not everyone qualifies for ACA (Marketplace) health insurance due to high income — and many individuals and families are paying high premiums without realizing there are private health insurance options available outside the state based Marketplace.

If you are:

• Self-employed, 1099 contractor, or W2 employee
   
• Over the ACA income limits
   
• Paying full price for Marketplace coverage
   
• Between jobs or recently lost coverage (On Cobra)
   
• Looking for PPO networks and more doctor flexibility
   

Private health insurance may offer strong coverage at a significantly lower monthly cost.

Private health insurance plans are off-Marketplace health plans that do not require ACA eligibility or Open Enrollment. These plans are available year-round and are commonly chosen by healthy individuals and families who want flexibility and affordability.

Depending on eligibility, private plans may include:

• Nationwide or multi-state PPO networks
   
• No referrals required for specialists
   
• Faster enrollment and coverage start dates
   
• Custom deductible and benefit options

Many private health insurance plans offer PPO-style access, allowing you to choose doctors freely and avoid restrictive HMO rules.

These plans are popular for:

• Individuals seeking lower premiums
   
• Families with or without employer coverage. (Some Employer Plans are very expensive, this is a great solution)
   
• Business owners not offering group plans
   
• People transitioning between insurance
   

Private PPO plans often cost less than ACA plans for those without subsidies. Cost savings applies to many categories such as; Monthly Premium, Deductible, Copays, and Co-insurance.

Eligibility varies by:

• Age: 19-64
   
• Location: New York & New Jersey (All Counties)
   
• Household size: Individual, Couple, Family with Kids
   
• Health profile: Individuals will be subject to a health questioner
   

Because plans differ by state and underwriting guidelines, working with an independent broker ensures you receive accurate comparisons and realistic expectations.

We assist individuals and families throughout:

New York

Queens, Brooklyn, Bronx, Manhattan, Staten Island, Nassau County, Suffolk County, Westchester, Rockland, Dutchess, Orange, Sullivan, Ulster, Albany, Monroe, Erie, Onondaga, and surrounding counties.

New Jersey

Bergen, Passaic, Essex, Hudson, Union, Middlesex, Morris, Somerset, Monmouth, Ocean, Camden, Burlington, Mercer, Atlantic, Gloucester, and statewide.

• Independent broker — we work for you
   
• No fees, no obligation
   
• Side-by-side plan comparisons
   
• PPO access explained clearly
   
• Ongoing support after enrollment
   

We explain:

• Provider access
   
• Prescription coverage
   
• Deductibles & maximums
   
• Limitations before you enroll