No! That is only for ACA/Obamacare and government plans. Private insurance is available year-round.
You don't have to be an Olympic athlete by any means, but if you are in relatively good health then you should be a strong candidate.
Of course individual considerations will be made, but if you don't have any major pre-existing conditions such as cancer, heart attacks, or diabetes, then a private plan may be perfect for you!
It is much less expensive than you think! Since the rates for private healthcare are based on health, and not your income, you will generally see lower prices AND better benefits if you qualify. Most clients actually end up saving anywhere from $1200-3600 per year!
There are no contracts for any type of health insurance plan, besides employer coverage. You can cancel at anytime for both the public and private health insurance plans.
ACA/Obamacare is major medical coverage that you cannot be denied due to any pre-existing conditions. It is most affordable IF you get a government subsidy on monthly premiums. If you aren't getting that discount, it is way more expensive than most plans out there.
Employer plans are great for the employee themselves, but the minute you add a family member (spouse, kids, or both) onto the plan, the premium is going to skyrocket. This is because employers usually give benefits to their employees but the family will be paying full price to be added on to the plan.
Private insurance is health-based so there is an application process since not everyone may qualify based on their health. Because you're healthy, you're getting a preferred rate so it is cheaper than most plans with BETTER coverage.
I work with Medical/Health, Dental, Vision, Life, Supplemental, Critical Illness, Income Protection (aka Short Term disability), and access to everything out there. I am happy to guide you in the right direction if you are needing something specific.
YES!
Nationwide coverage, on and off the job. All private plans are on major PPO networks, so you aren't limited to coverage in your county/state like many other plans. You are covered anywhere you go!
Yes, there are no contracts for any type of health insurance plan, besides employer coverage. You can cancel at anytime for both the public and private health insurance plans.