Health Insurance (Under 65) — Individual & Family Plans
Individual & Family Health Plans, Purchased Directly and Compared Independently
Not everyone wants to shop through the ACA Marketplace or rely on an employer for coverage. We help individuals and families compare private health plans purchased directly through insurance companies, at no cost to you.
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What Are Private Individual & Family Health Plans?
Private individual and family health plans are purchased directly through an insurance company rather than through the ACA Marketplace or an employer. Buying this way can mean access to different plan designs, provider networks, and enrollment timing than what’s available on the Marketplace, since you’re not limited to Marketplace-listed plans or tied to open enrollment in the same way.
This is general product education. Plan structure, network, and whether a given plan meets ACA requirements vary by carrier and product. Premium tax credits and cost-sharing reductions are only available through Marketplace plans, not private off-Marketplace plans. This page does not describe the details of any single policy.
Why Some People Choose to Buy Privately
- Broader choice of carriers and plan designs beyond what’s listed on the Marketplace
- Enrollment isn’t limited to the Marketplace’s Open Enrollment window in the same way, depending on the plan
- Working directly with an agent to compare options, rather than navigating a government website alone
- Some private plans offer network or benefit structures tailored to specific needs
Who this is for
Is a Private Individual or Family Plan Right for You?
- You don’t qualify for a subsidy — If you’re not eligible for premium tax credits, comparing private plans alongside Marketplace options can be worthwhile
- You want a specific network or carrier — And that option isn’t available or isn’t competitively priced on the Marketplace in your area, especially now that most Marketplace plans are HMOs
- You’re self-employed — And want coverage tailored to your situation without going through an employer
- You want a broker relationship, not a website — And prefer working directly with an agent to compare and enroll
Why call Lifelong Insurance Agency
Comparing Private Plans Takes an Independent Eye
Because private plans aren’t listed side by side the way Marketplace plans are, comparing them takes someone who already knows the carriers and their offerings.
Independent, not captive
We compare private individual and family plans across multiple carriers, not just one.
No cost to you
Our guidance is always free, with no obligation to enroll.
We’ll also check the Marketplace
If a subsidized Marketplace plan would save you money and meets your needs, we’ll tell you.
A resource beyond enrollment
We remain available to you for as long as you have coverage.
What clients say
Real feedback from people we’ve helped
Ready to Compare Your Private Health Plan Options?
We’ll help you compare private individual and family health plans, and check whether a Marketplace plan might be a better fit, with no cost or obligation.
We do not offer every private health plan available in your area. Plans purchased outside the ACA Marketplace are not eligible for premium tax credits or cost-sharing reductions. Whether a specific plan meets ACA essential health benefit requirements depends on the plan itself.