Most individuals can obtain private insurance, and I offer policies that cater to a variety of needs. Some plans require medical underwriting, so if you’re generally in good health, you’re likely a strong candidate. Each application is assessed on an individual basis. If you don’t have major pre-existing conditions, private insurance may be an excellent fit for you.

You can enroll in private health insurance at any time—there are no specific enrollment periods. Enrollment windows apply to employer-sponsored group plans and ACA/Marketplace/Obamacare plans. If you’re transitioning from a plan with enrollment restrictions, it’s advisable to reach out one to three months beforehand to explore your options.

• Private Insurance: This type of insurance is medically underwritten, meaning you’ll need to qualify based on your health status. This can lead to better coverage options and potential discounts.

• ACA/Marketplace/Obamacare: These plans are suitable for individuals who qualify for financial aid or have significant pre-existing conditions, maternity needs, mental health disorders, or substance abuse issues. Without financial assistance, these plans can be costly and typically involve high deductibles and limited provider networks.

• Employer-Sponsored Group Plans: These plans are generally beneficial for employees since employers are required to contribute to the employee's benefits. However, covering family members can be expensive.

No, most private insurance policies feature a rate guarantee (depending on the plan) and do not require a binding contract, allowing you to cancel at any time.

Private insurance provides coverage nationwide, offering protection in all 50 states through extensive PPO networks.

The cost of insurance varies based on your specific needs, location, and family size. Private insurance typically provides excellent value, but pricing is tailored to reflect these factors.