Being self-employed comes with many perks—flexibility, control over your schedule, and the ability to build something of your own. But one of the biggest challenges? Finding affordable, high-quality health insurance. Traditional marketplace plans are often expensive, with high deductibles and limited provider networks. However, there’s a better option for healthy individuals and families: the private market.

If you’re self-employed and in good health, you may qualify for a medically underwritten private health plan that offers lower monthly premiums, better benefits, and nationwide PPO coverage. Here’s how these plans can work for you and why they might be the best fit for your healthcare needs.

The Private Market Advantage

Unlike government marketplace plans, which base rates primarily on age and location, private market health plans leverage your good health to offer lower premiums. This means that if you don’t have major pre-existing conditions, you could be paying significantly less while accessing a more robust plan. Here’s what sets these plans apart:

1. Lower Monthly Premiums

Traditional ACA (Affordable Care Act) plans are designed to cover everyone, regardless of health status. While this is great for those with chronic illnesses, it results in higher costs for healthy individuals. Private plans assess your medical history upfront, ensuring that those in good health aren’t overpaying for coverage they don’t need.

2. Nationwide PPO Networks

Many marketplace plans come with restrictive HMO or EPO networks, meaning you may be limited to local providers or need referrals for specialist visits. Private market PPO plans, on the other hand, allow you to see any doctor, anywhere in the country, without needing referrals. This is a game-changer for self-employed professionals who travel frequently or split time between states.

3. Better Benefits with More Customization

Private health plans offer flexibility in tailoring coverage to your needs. Whether you prioritize lower deductibles, comprehensive prescription coverage, or enhanced preventative care, these plans allow you to build a policy that fits your healthcare priorities and budget.

4. Year-Round Enrollment

Unlike ACA plans, which have strict open enrollment periods, private market plans are available for enrollment year-round. This means that if you’re currently uninsured or looking for better options, you don’t have to wait months to switch to a plan that better suits you.

Who Qualifies for a Private Market Health Plan?

These plans are ideal for:

• Self-employed professionals (freelancers, consultants, small business owners, independent contractors)

• Families with no major health concerns looking for lower premiums

• Healthy individuals who don’t qualify for ACA subsidies and want better benefits

• People who travel frequently and need flexible, nationwide coverage

How to Get Started

If you’re tired of overpriced, one-size-fits-all insurance and want a plan that truly works for you, it’s time to explore private market options.

I specialize in helping self-employed professionals like you find affordable, high-quality health insurance that fits your lifestyle. To see if you qualify, schedule a quick 10-minute discovery consultation or request a free quote today!

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