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As our country’s healthcare options evolve, some people worry that they won’t have access to private health insurance. 

Don’t worry—even though the insurance world is changing, you can likely keep your current private plan, or if you’re shopping for health insurance right now, opt out of the public marketplace in favor of private options. 

HealthMarkets can help with all of your questions about private health insurance versus public options, and which one is right for you. And when you’re ready, we can provide you with an easy, hassle-free shopping experience.

Public vs. Private: What’s the Difference?

Public health insurance is provided or subsidized in some way by the federal government. Medicare, Veteran benefits, and insurance provided to federal employees are all examples of public health insurance. Private health insurance, on the other hand, is provided by private companies. The CDC estimated that in 2018, 65 percent of Americans under age 65 were covered by private insurance.

HealthMarkets can help you find options that meet your needs, whether it is for a private plan, a health plan on the new government exchange, or even a Medicare Advantage plan. We offer a broad portfolio of health plans from more than 200 recognized companies nationwide. From platinum level metal plans to catastrophic only, we’re ready to help you find a plan to fit your lifestyle.

The Public Marketplace, Private Health Insurance, and the Affordable Care Act

The Affordable Care Act (ACA) is intended to ensure that Americans have access to healthcare they can afford. To that end, it has created a public marketplace where people can buy health insurance. Depending on life circumstances and income, this public marketplace provides insurance plans with tax credits that lower premiums to make the plans more accessible to many Americans. If you’re interested in learning more information about the public marketplace, we can help you evaluate the options.

You can also purchase private health insurance from companies not on the public marketplace. You may want to do so if your income is too high to qualify for the premium subsidies associated with marketplace plans, or if you can’t find a health plan within the marketplace that satisfies your needs. We can help you with this, too.

For more thoughts on private health insurance and other resources, please go to our resource center. You can find the information you need to make your health insurance shopping experience a quick and easy one.

HealthMarkets is a valuable option for people who want knowledgeable, professional help making the best insurance decision for their needs. Call us today at (800) 360-1402.



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