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When it comes to health insurance, one size doesn’t fit all. While ACA plans are a great option for many, some individuals and families prefer the flexibility, wider provider access, and tailored coverage that private health insurance offers.
At Simbia, we specialize in helping individuals, families, and self-employed professionals find affordable private health insurance plans that meet their unique needs. Whether you’re looking for more provider choices, lower monthly costs, or additional benefits not covered by ACA plans, we can help you find the best private plan for you.
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Private health insurance refers to coverage that is not purchased through the Affordable Care Act (ACA) Marketplace. Instead, these plans are offered directly by private insurance companies and are available year-round without enrollment restrictions.
Private health insurance is a great option for:
If you’re looking for more coverage options and better provider flexibility, private insurance may be the right choice for you.
Your zip code helps to identify your location and can assist in providing you with a personalized experience.
It is important to provide accurate and complete information to ensure that your request is processed in a timely and efficient manner.
It is important to double-check your information before hitting submit to ensure that your zip code is accurate.
Private health insurance plans come in many forms, depending on your needs and budget. Here’s a breakdown of some of the most common options:
| Feature | Private Plans | ACA Plans |
|---|---|---|
| Can Enroll Anytime? | ✅ Yes | ❌ No (Only During OEP/SEP) |
| Covers Pre-Existing Conditions? | ✅ Varies | ✅ Yes |
| Provides Subsidies? | ❌ No | ✅ Yes (Based on Income) |
| Includes Essential Health Benefits? | ✅ Varies | ✅ Yes |
| Doctor & Hospital Choice | ✅ Wider Network | ❌ More Restricted |
| Lower Monthly Premiums? | ✅ Often | ❌ Not Always |
Private health insurance gives you more control over your coverage but may not include some of the benefits mandated by ACA plans.
Unlike ACA plans, private health insurance is available year-round. There’s no need to wait for Open Enrollment or qualify for a Special Enrollment Period.
The cost of private health insurance varies based on several factors, including age, location, medical history, and the level of coverage you choose. Here’s a general breakdown:
While private plans do not offer ACA subsidies, they often provide more options for coverage and provider access.
At Simbia, we make finding private health insurance simple and hassle-free. Here’s how we help:
Licensed agents will provide comparisons of private health plans to help you find the best coverage at the best price.
From PPOs and HMOs to short-term and catastrophic plans, we connect you with top-rated insurance agents.
We streamline the application process, allowing you to apply and get covered fast—which could be as soon as the next day.
Need help choosing a plan? Have questions about your benefits? Our experts are here to guide you every step of the way.
If you’re looking for more flexibility, greater provider access, and tailored health coverage, private insurance may be the best choice for you. Simbia makes it easy to compare plans and find affordable coverage that meets your needs.
At Simbia, we’re committed to helping individuals and families find affordable, high-quality private health insurance—without the hassle. Let’s get started!
Your insurance should not only fit your budget, but it should also give you as much coverage and offer flexible payment terms. It is rather hard to find plans that offer all of those. With us, we are going to make sure you get the best coverage at the best price.
Similar to when you shop online or otherwise, you always have options and it's you who's going to make the final call. It is advised to do some research and read through the agreement prior to signing the papers. Note that health insurance is not a simple purchase, but it's a commitment to your health and your family's health.
Be wise and always keep your options open. There are plenty of options and offerings out there. Be diligent, compare the terms and prices, ask your family and friends if they have some good recommendations. If possible, discuss with a licensed healthcare agent to make sure you get the best deals.
There are tons of health insurance agencies and networks who would want to do business with you. It is advised to go with reputable ones, to make sure you get the most out of your investment and that you won’t get ripped off.