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.
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.
Private insurance is bought directly and can often be started year-round, sometimes with medical underwriting for lower rates and strong PPO networks. ACA/Marketplace plans are guaranteed-issue during open enrollment and cover pre-existing conditions. Employer group plans come through your job with set windows.
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.
