Determinations are considered on a case-by-case basis, but if you're relatively healthy without any major medical history (ex. heart attack, stroke, cancer) you could qualify!

No! Enrolling for private health insurance is available year round!

ACA/Obamacare options are the best option for you when you are not offered employer coverage, if you have major pre-existing conditions you need coverage for, or you qualify for large government subsidies. Unless you fit into these categories, you're going to be paying full rates and deductibles.

Private options are medically underwritten. These plans are health based, meaning, you have to qualify based on your health. They are not ACA compliant because they give very little coverage for drug and alcohol rehabilitation, severe mental health issues, and maternity. These plans give you more affordable monthly premiums and upfront coverage if you are healthy enough to qualify. If you are not needing drug/alcohol rehabilitation or severe mental health help these plans are great coverage for you! You can save money now until you need coverage for maternity if you are planning to be pregnant/expecting.

Employer plans are great for the employee themselves if its a good plan, affordable rate, etc., however, when you add family members to your plan like a spouse or dependents, the premiums astronomically increase. Employers are only obligated to pay 50% of the employees portion and not obligated to pay any portion of the family.

Yes! Private plans are PPO networks, meaning, you have nationwide coverage and you do not need a referral from your primary to see a specialist.