That is only for ACA/Obamacare and government plans. Private insurance is available year-round.

It is much less expensive than you likely think! From personal experience, I switched to private and saved $1,832 for that year alone!

Major medical insurance under the ACA/Obamacare cannot be denied to you because of any pre-existing conditions. If you receive a government subsidies on the monthly premiums, it is most reasonably priced. It costs a lot more than the majority of other plans if you do not receive the discount.

Employer plans are AMAZING for the employee, but the premium will rise the moment you add a family member (spouse, children, or both) to the coverage. This is due to the fact that although firms frequently provide benefits to their employees, adding a family to the plan will cost them fully.

Due to the health requirements for private insurance, there is an application process. Not everyone will be eligible due to health. It is less expensive than most plans with BETTER coverage because you're in good health and are receiving a preferred rate.

No required length of time- you have the plan because you need it.

No fee, I love to educate.

Public Marketplace (aka ACA/Obamacare plans) are based on income and age. Private plans are based on health.

In most cases the only way to make coverage any cheaper is to either remove benefits or reverse age. Can't say I have that superpower!

I have Medical/Health, Dental, Vision, Life, Supplemental, Critical Illness, Income Protection (aka Short term disability) and access to everything out there so I am happy to guide you in the right direction if you are needing something specific!