Flexible coverage, available year-round.
Private health insurance is purchased directly from a carrier, no Open Enrollment window required. It's a strong option if you don't qualify for subsidies or want more network flexibility.
Which one fits you?
| Marketplace (ACA) | Private Insurance | |
|---|---|---|
| Subsidy eligible | Yes, based on income | No |
| Enrollment window | Open Enrollment or qualifying event | Year-round |
| Plan standardization | Standardized metal tiers | Varies by carrier |
| Best for | Those who qualify for tax credits | Those who don't qualify or want more options |
A bridge when you need coverage fast.
Short-term plans provide temporary coverage, often available within days, for gaps between jobs, missed Open Enrollment, or waiting periods before new benefits begin.
Fast approval
Coverage can often begin within a day or two.
Lower monthly cost
Often cheaper than Marketplace or private plans.
Not a long-term solution
Designed to bridge gaps, I'll help you plan your next step.
Built for real-life situations.
Between jobs
You need coverage now, but your new job's benefits haven't started yet.
Missed Open Enrollment
You don't have a qualifying life event but still need coverage.
Income above subsidy range
You don't qualify for premium tax credits and want to compare all options.
Coverage doesn't have to wait.
Let's find a plan that works for your timeline and your budget.