Not Eligible for a Marketplace Subsidy? Explore private health insurance options that offer comprehensive coverage without being tied to your income. These plans require no annual income documentation, so there are no tax surprises at year’s end if your income changes. Get the coverage you need with flexibility and ease.

Are You a Small Business Owner or Self-Employed? If you own a small business, are self-employed, or find yourself paying too much for a family employer plan, private health plans could be a better fit. These plans not only provide unique advantages for business owners but also include discounted rates for employees. Unlike traditional group plans that use age averaging, private plans calculate premiums based on each person’s actual age—delivering personalized, cost-effective coverage tailored to your team’s needs.

 Underwritten Health Plans: Rewards for a Healthy Lifestyle For those in good health with no pre-existing conditions, underwritten plans provide the advantage of lower rates and more comprehensive coverage options—much like how safe drivers enjoy better rates on auto insurance. Take advantage of your healthy lifestyle with a plan designed to maximize your benefits and savings.