Private Sector Plans
Policies are universal, meaning they can be purchased by and/or for:
- Individuals
- Families
- Small business employees
- Self-employed
Facts:
- Must apply for coverage (acceptance NOT guaranteed)
- You choose the insurance company, plan & options
- Year-round ability to renew or change health insurance
- Year-round enrollment
- Not tied to job / occupation
- Ability to select a plan that includes your most trusted doctors & hospitals
- Best ones offer PPO networks
- Offer better coverage, stronger networks, lower premiums & lower deductibles
- Require medical underwriting (meaning you must be in relatively good health to be accepted)
- Underwriting Delay: Up to 2 weeks but usually a few days
- No government assistance