Take Control of Your Health with Personalized Insurance Options

Private Health Insurance

Taking Control of Your Healthcare Coverage

Private health insurance offers individuals and sole proprietors access to personalized healthcare coverage outside of government or employer-sponsored plans. These plans are purchased directly from insurance providers and can be tailored to fit your unique medical needs and budget.


With a wide range of plan structures and benefits available, choosing the right private insurance policy can be overwhelming. Working with a knowledgeable health insurance agent can help you confidently navigate your options and secure comprehensive coverage for peace of mind.

Types of Private Health Insurance Plans

There are several different types of private health insurance plans that offer flexibility and varying levels of coverage:


  • Health Maintenance Organization (HMO): HMO plans require members to use a specific network of doctors and hospitals and typically require referrals from a primary care physician (PCP) to see a specialist. These plans often have lower premiums and out-of-pocket costs.



  • Preferred Provider Organization (PPO): PPO plans offer more flexibility by allowing you to see any doctor, including out-of-network providers, without a referral. You’ll pay less if you use providers in the plan’s network.


  • Exclusive Provider Organization (EPO): EPO plans combine features of HMOs and PPOs. You must use the plan’s network of providers (except in emergencies), but no referral is needed to see a specialist.


  • Point of Service (POS): POS plans require a PCP referral to see specialists, like an HMO, but they also offer out-of-network coverage, like a PPO—though usually at a higher cost.


  • High-Deductible Health Plans (HDHP): Often paired with a Health Savings Account (HSA), HDHPs have lower monthly premiums and higher deductibles. They’re ideal for healthy individuals who want coverage primarily for major medical expenses.


  • Catastrophic Health Insurance: Designed for individuals under 30 or those who qualify for a hardship exemption, these plans offer low monthly premiums and protect against very high costs but include high deductibles.

What to Consider When Choosing a Private Health Insurance Plan

When evaluating private health insurance, keep the following in mind:


  • Monthly Premiums: Determine what you can afford to pay regularly, even if you don’t use medical services often.


  • Out-of-Pocket Costs: Understand deductibles, copayments, and coinsurance for each plan.


  • Coverage Needs: Consider how often you visit doctors, need prescriptions, or require ongoing treatments.


  • Provider Networks: Make sure your preferred doctors and hospitals are in-network.


  • Plan Flexibility: Evaluate whether you need referrals to see specialists or if you value the ability to go out-of-network.


  • Savings Options: Explore tax-advantaged savings accounts like HSAs if you opt for a high-deductible plan.