Private Health Insurance

Private Health Insurance — Up to 75% Less Than ACA

If you earn too much for ACA subsidies, you may be overpaying. Private alternatives like short-term medical bundled with supplemental coverage can deliver real protection at a fraction of the cost.

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75%

Potential premium savings vs. unsubsidized ACA plans

Flexible

Coverage terms from 30 days to 3 years depending on your situation

Stacked

Pair with supplemental plans to cover what STM doesn't

Who this is right for

Private health insurance alternatives work best for people in specific situations. Your agent will tell you honestly whether this makes sense for you — or whether ACA is actually the better call.

Income too high for ACA subsidies

Self-employed with high unsubsidized premiums

Healthy individuals who rarely use insurance

Coverage gap between jobs

Waiting for employer benefits to start

Recent graduates off parent's plan

Early retirees not yet eligible for Medicare

Anyone paying full ACA price with no subsidy

See if private coverage saves you money

Your dedicated agent will run the numbers and give you a straight answer.

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