Individual & Family
Health Insurance
Group rates. Major PPO networks. No employer required.
Lost your COBRA or priced out of Marketplace subsidies? Private pay plans group you with up to a million members — giving you access to major carrier networks at rates most individuals can't get on their own.
- Access to 50,000–1,000,000+ member group pricing
- Nationwide PPO — large pool of available doctors, no referrals
- Available in New York & New Jersey
- Year round enrollment — coverage starts the 1st of the following month
Not sure which plan fits you?
Take our 2-minute quiz — we'll match you to the right plan instantly.
Is This You?
Who Private Pay Plans Are Built For
Most of our clients are between 25–64 and found themselves without good coverage options. Sound familiar?
Losing COBRA Coverage
COBRA is expensive and temporary. We find you a private pay plan that costs less and lasts as long as you need it.
Income Too High for ACA Subsidies
If you earn too much to qualify for Marketplace subsidies, private pay group plans often deliver better value than full-price ACA plans.
Self-Employed or Freelance
No employer benefits? We connect you to group purchasing pools that give you the same buying power as a large company.
Between Jobs
Coverage gaps are risky. Year-round enrollment means you can apply any time — coverage starts the 1st of the following month.
Growing Families
Adding a spouse or new child? We find family plans with broad PPO networks so everyone keeps their preferred doctors.
Seeking Better Coverage
Already insured but frustrated with your plan? We compare options across carriers to find you a better fit at a competitive price.
The Advantage
Why Group Benefits Pricing Changes Everything
Large benefits providers get lower insurance rates because they bring thousands of members to the table, thus providing access to Major PPO Networks while keeping affordable prices.
Without Benefits Provider Pricing
- Priced as a single individual — highest risk tier
- Limited carrier options
- Narrow networks or HMO restrictions
- High deductibles, high premiums
With Private Pay Benefits Provider Plans
- Grouped with 50K–1M members for lower rates
- Access to major national carriers
- Broad PPO — many doctors, no referrals
- Significantly more affordable premiums
50K–1M+
Members per group
PPO
Nationwide network
NY & NJ
States we serve
Year Round
Enrollment available
What You Get
Key Benefits of Private Pay Plans
These aren't stripped-down plans. You get real, comprehensive coverage — at a price that makes sense.
Group Buying Power
By pooling members into groups of 50,000 to over 1,000,000 participants, you access pricing that individuals simply cannot get on their own.
Nationwide PPO Network
See many doctors without referrals. Our plans use broad PPO networks so you are not locked into a narrow HMO grid.
Real Major Medical Coverage
These are not short-term or limited-benefit plans. You get comprehensive major medical coverage including hospital, specialist, and preventive care.
Competitive Pricing
Group rates make private pay plans surprisingly affordable — often less than full-price ACA plans for the same or better coverage.
No Referrals Required
Go directly to specialists without needing a primary care referral. Your time and your health decisions stay in your hands.
Top-Tier Carriers
Plans are backed by nationally recognized carriers with strong financial ratings and established provider networks across New York and New Jersey.
Find Your Plan in 2 Minutes
Tell us a little about yourself and we'll match you to the best private pay plan available in your area. No obligation. No spam. Just answers.
Licensed agents serving New York & New Jersey · No cost, no commitment
Real people. Real results.
Hear from individuals and families in NY & NJ who found better coverage — and finally got the straight answers they deserved.
“I had no idea group pricing existed for individuals — this saved my family.”
When my husband's employer stopped offering health benefits, I panicked. The ACA plans in our area were way out of our budget and we didn't qualify for subsidies. David explained how private pay group plans work and found us a PPO that covers our whole family for less than I expected. We kept our pediatrician and our primary care doctors. I wish I had known about this years ago.
Jennifer S.
Westchester County, NY
“Self-employed for 10 years and finally have real coverage.”
I had been going without decent health insurance since I went out on my own because everything I found was either too expensive or had terrible networks. David took the time to understand my situation and matched me to a plan with a nationwide PPO network at a price that actually made sense for my income. Enrollment was done in one call. I finally feel like I have real coverage, not just a catastrophic plan I'm afraid to use.
Marcus T.
Hudson County, NJ
“Lost COBRA and was covered by the 1st of the next month.”
My COBRA ran out and I was worried about the gap in coverage. I found Insure 365 online and called right away. David walked me through my options, explained the monthly enrollment cutoffs clearly, and had me enrolled before the deadline so my coverage started the 1st of the following month. He answered every question I had without making me feel rushed. I have already referred three coworkers to him.
Patricia W.
Suffolk County, NY