Best Health Insurance Options for Self-Employed Workers and 1099 Contractors in 2027
Being self-employed comes with plenty of freedom—but health insurance can be one of the biggest challenges.
If you're a freelancer, 1099 contractor, independent consultant, business owner, real estate professional, or other self-employed worker, you don't have an employer helping pay for your health insurance premium.
That means you're responsible for finding coverage that fits both your healthcare needs and your budget.
The good news is that self-employed workers have several health insurance options to consider in 2027.
Here's what you need to know before choosing a plan.
Why Health Insurance Is Different When You're Self-Employed
Employees often have access to group health insurance through their employer.
When you're self-employed, you typically have to shop for your own coverage.
That means you need to consider:
Monthly premiums
Deductibles
Out-of-pocket maximums
Provider networks
Prescription coverage
Specialist coverage
Hospital coverage
Eligibility requirements
Tax considerations
Your expected healthcare usage
The cheapest monthly premium isn't necessarily the best option.
1. ACA Marketplace Health Insurance
The Affordable Care Act Marketplace is one of the most common places for self-employed individuals to shop for health insurance.
Marketplace plans are available to eligible individuals and families, and some people qualify for premium tax credits based on household income and other factors.
If you qualify for substantial financial assistance, Marketplace coverage may be an attractive option.
However, individuals who don't qualify for significant subsidies may want to compare other available coverage as well.
2. Private Health Insurance
Private health insurance can be another option for some self-employed individuals.
Depending on the specific plan, private coverage may include PPO options, different provider networks, and medical underwriting.
For healthy individuals who meet the plan's eligibility requirements, private coverage may be worth comparing with an unsubsidized Marketplace plan.
However, private plans can differ significantly from one another.
Always understand:
What the plan covers
What it excludes
How the network works
Whether underwriting applies
How pre-existing conditions are handled
The deductible
The out-of-pocket maximum
Renewal provisions
3. Health Savings Account-Compatible Plans
Some health insurance plans can be paired with a Health Savings Account (HSA).
An HSA can provide tax advantages when you're eligible and use the account for qualified medical expenses.
However, not every health insurance plan is HSA-eligible.
If an HSA is important to you, verify that the specific plan meets the applicable federal requirements before opening or contributing to an HSA.
4. Spouse's Employer-Sponsored Coverage
If you're married and your spouse has access to employer-sponsored health insurance, adding yourself to that plan may be an option.
Compare the total cost and benefits against individual coverage.
Consider:
Employee contribution
Spouse premium
Deductible
Out-of-pocket maximum
Provider network
Prescription coverage
Sometimes employer coverage is the best option. Sometimes an individual plan may be more competitive.
5. Short-Term or Limited-Benefit Coverage
Some people consider short-term or other limited-benefit health insurance products when they need temporary coverage.
These products can have significant differences from comprehensive major medical insurance.
Depending on the product and your location, they may have limitations involving pre-existing conditions, benefits, renewability, or covered services.
Make sure you understand the policy before purchasing it.
What Is the Best Health Insurance for a 1099 Worker?
There's no single best health insurance plan for every contractor.
A 25-year-old healthy contractor earning $80,000 per year may have very different needs than a 50-year-old consultant with several ongoing prescriptions.
The right choice depends on factors such as:
Your income: This can affect Marketplace subsidy eligibility.
Your health: Your expected healthcare usage can influence which benefits are most valuable.
Your doctors: Make sure your preferred providers participate in the network.
Your budget: Look beyond the monthly premium.
Your risk tolerance: Consider how much you could realistically afford if you have a major medical event.
Your location: Plan availability varies by state and area.
How Much Should a Self-Employed Person Spend on Health Insurance?
There's no universal percentage that every self-employed person should spend.
Instead, compare the total potential cost of each option.
For example, consider a hypothetical plan with:
$400 monthly premium
$4,000 deductible
$8,000 out-of-pocket maximum
The annual premium alone would be:
$400 × 12 = $4,800
That doesn't mean you'll necessarily spend $12,800 every year.
It means you should understand both the fixed premium and your potential cost-sharing if you need significant medical care.
This is why looking at the entire plan—not just the monthly payment—is so important.
What Should Contractors Look for in a Health Insurance Plan?
If you're a contractor or freelancer, pay particular attention to:
PPO Network
If you travel for work or see doctors in different locations, network flexibility may be important.
Deductible
Understand how much you'll potentially pay before certain benefits begin.
Out-of-Pocket Maximum
This helps you understand your potential financial exposure for covered services.
Prescription Coverage
If you regularly take medications, review the formulary and prescription benefits.
Specialist Access
If you see specialists, understand whether referrals are required and how specialist visits are covered.
Hospital Benefits
Don't overlook hospitalization when comparing plans.
Pre-Existing Conditions
Understand whether the plan has exclusions, limitations, waiting periods, or underwriting related to pre-existing conditions.
Don't Wait Until You Need Medical Care to Understand Your Plan
One of the worst times to discover that your health insurance doesn't work the way you expected is when you're sitting in a doctor's office or hospital.
Before enrolling, understand the plan's:
Benefits
Exclusions
Provider network
Deductible
Copays
Coinsurance
Out-of-pocket maximum
Prescription coverage
Renewal provisions
If you have questions about how a specific benefit works, ask before enrolling.
Self-Employed in Florida? Compare Your Options
Florida has a large population of self-employed workers, contractors, entrepreneurs, and small-business owners.
If you're purchasing your own health insurance, don't assume that the first option you see is your only option.
Depending on your circumstances, you may want to compare Marketplace coverage with other available individual health insurance options.
Posey Health Solutions helps individuals explore health insurance options based on their needs, budget, and eligibility.
Get Help Finding Health Insurance as a Self-Employed Worker
You shouldn't have to spend hours trying to understand insurance terminology on your own.
If you're self-employed, a contractor, 1099 worker, or business owner, Posey Health Solutions can help you compare available options and understand the differences between plans.
Whether you're looking for a PPO, comparing private health insurance with Marketplace coverage, or simply trying to lower your monthly premium, the first step is understanding what options are available to you.
Don't wait until you need medical care to figure out how your health insurance works.
Explore your options, compare the coverage, and choose a plan that fits your situation.
Frequently Asked Questions
What is the best health insurance for self-employed people?
There isn't one plan that is best for everyone. Marketplace coverage, private health insurance, spouse coverage, and other options may be appropriate depending on your income, health, budget, and eligibility.
Can a 1099 contractor get health insurance?
Yes. 1099 contractors can purchase individual health insurance and may qualify for Marketplace coverage or other individual insurance options.
Can self-employed people get PPO health insurance?
Yes. PPO options may be available depending on your state, eligibility, and the specific insurance products offered in your area.
Is private health insurance cheaper than Marketplace insurance?
It depends. Someone receiving a substantial Marketplace subsidy may find Marketplace coverage less expensive. Someone paying the full Marketplace premium may want to compare other available options.
What health insurance should a small-business owner get?
The answer depends on whether you're looking for individual coverage or coverage for employees. Small-business owners should compare their available individual or group options based on their specific situation.
Can I change health insurance if I'm self-employed?
Possibly. Enrollment opportunities depend on the type of coverage and whether you qualify for an applicable enrollment period or special enrollment opportunity.
Private Health Insurance vs. Marketplace Plans: Which Is Right for You in 2027?
Choosing health insurance can be confusing, especially if you are self-employed, own a business, work as a contractor, or don't qualify for significant Affordable Care Act (ACA) subsidies.
For many Americans, the first place they look for coverage is the federal Marketplace. However, Marketplace plans aren't the only health insurance option available. Depending on your situation, a private health insurance plan may provide another option worth comparing.
In this guide, we'll explain the differences between private health insurance and Marketplace plans, what to consider when comparing coverage, and why it's important to look at more than just the monthly premium.
What Is Marketplace Health Insurance?
Marketplace health insurance refers to plans available through the Affordable Care Act marketplace, including Healthcare.gov and state-based exchanges.
Marketplace plans are generally categorized into Bronze, Silver, Gold, and Platinum tiers. Depending on household income and other eligibility requirements, some individuals and families may qualify for premium tax credits or other financial assistance.
Marketplace coverage can be a good option for many people. However, the plans and pricing available to you depend heavily on factors such as:
Household income
Household size
Age
Location
Tobacco use
Eligibility for subsidies
Enrollment period
If you don't qualify for financial assistance, your monthly premium can sometimes be significantly higher than expected.
What Is Private Health Insurance?
Private health insurance refers broadly to coverage purchased outside of the ACA Marketplace.
Depending on the plan and your eligibility, private coverage may include different types of health insurance products, including certain private PPO and medically underwritten health plans.
Some private plans may consider factors such as your age, health history, location, and other underwriting information when determining eligibility and pricing.
That means private coverage isn't necessarily the right fit for everyone. But for certain healthy individuals, self-employed workers, contractors, and business owners, it may be worth comparing alongside Marketplace coverage.
Private Health Insurance vs. Marketplace Plans
One of the biggest mistakes people make when shopping for health insurance is comparing plans based solely on the monthly premium.
Instead, consider the entire picture.
1. Monthly Premium
Your premium is what you pay each month to maintain your coverage.
Marketplace premiums can vary substantially depending on whether you qualify for a subsidy.
Private plans may have different pricing structures based on the type of coverage and underwriting requirements.
A lower premium isn't automatically a better deal, just as a higher premium doesn't automatically mean better coverage.
2. Provider Networks
Your provider network can be extremely important.
If you already have doctors, specialists, or hospitals you prefer, check whether they participate in the plan's network.
Some PPO plans can provide greater flexibility when choosing providers, while other plans may use more restrictive networks.
Always verify the actual provider network before enrolling.
3. Deductibles
Your deductible is the amount you generally pay toward covered services before the plan begins paying according to its benefits.
For example, a plan with a $5,000 deductible may require you to pay the first $5,000 of certain covered medical expenses before the plan begins paying those expenses.
But deductibles don't tell the entire story.
You should also look at:
Copays
Coinsurance
Out-of-pocket maximums
Prescription benefits
Hospital benefits
Specialist benefits
Preventive care
Out-of-network benefits
4. Out-of-Pocket Maximum
The out-of-pocket maximum can be one of the most important numbers on a health insurance plan.
It represents the maximum amount you may be responsible for paying toward covered services during a plan year, subject to the plan's terms.
When comparing two plans, don't simply compare the premiums. Look at the potential worst-case annual cost.
A useful comparison is:
Annual Premium + Potential Out-of-Pocket Costs = Potential Maximum Annual Cost
The actual calculation depends on the plan and which expenses count toward the out-of-pocket maximum.
Who Should Consider Comparing Private Health Insurance?
Private coverage isn't automatically better than Marketplace coverage. However, there are certain people who may benefit from comparing both.
Self-Employed Individuals
If you work for yourself, you may have more flexibility when choosing coverage.
Self-employed individuals should consider comparing Marketplace options with private plans before making a decision.
1099 Contractors
Contractors and freelancers often don't have access to employer-sponsored health insurance.
That makes finding affordable individual coverage especially important.
Small Business Owners
Business owners may have unique health insurance needs and should evaluate both individual and business-related coverage options.
Higher-Income Households
Some households don't qualify for substantial ACA subsidies.
If you're paying the full Marketplace premium, comparing other available options may make sense.
Healthy Individuals
Some private health insurance products use medical underwriting.
For individuals who meet the underwriting requirements, these plans may offer different pricing or benefits compared with an unsubsidized Marketplace plan.
However, underwriting also means that not everyone will qualify, and pre-existing conditions or other health factors may affect eligibility depending on the specific product.
Is Private Health Insurance Always Cheaper?
No.
This is an important distinction.
Private health insurance isn't automatically less expensive than Marketplace coverage.
In fact, someone who qualifies for a large ACA subsidy may find that a Marketplace plan is extremely competitive.
The better question is:
"Which coverage provides the best combination of premium, benefits, network, and financial protection for my situation?"
That's why comparing multiple options is important.
Can You Have Private Health Insurance Instead of Healthcare.gov?
Potentially, yes.
You don't have to automatically enroll in a Marketplace plan simply because you're purchasing individual health insurance.
However, eligibility, enrollment rules, underwriting, and plan availability depend on the specific product and your circumstances.
It's important to understand exactly what type of coverage you're purchasing before enrolling.
What Should You Compare Before Choosing a Health Plan?
Before selecting coverage, compare at least these factors:
Monthly premium
Deductible
Out-of-pocket maximum
Copays
Coinsurance
Prescription coverage
Provider network
Hospital coverage
Specialist coverage
Out-of-network benefits
Pre-existing condition provisions
Waiting periods or exclusions, if applicable
Plan renewal provisions
Eligibility requirements
Looking at all of these factors gives you a much better understanding of the actual value of a plan.
Don't Choose Health Insurance Based Only on Price
A $300 monthly plan isn't necessarily better than a $500 monthly plan.
Likewise, a $500 monthly plan isn't necessarily better than a $300 plan.
The right plan depends on how the coverage works when you actually need medical care.
Think about your expected healthcare usage and your financial ability to handle unexpected medical expenses.
Get Help Comparing Your Options
Health insurance can be complicated, particularly if you're self-employed, work as a contractor, own a business, or don't qualify for significant Marketplace subsidies.
At Posey Health Solutions, we help individuals understand their available health insurance options and compare coverage based on their individual circumstances.
Whether you're currently enrolled in a Marketplace plan or shopping for coverage for the first time, it can be worthwhile to see what other options may be available.
Don't choose a health plan based on the monthly premium alone. Compare the coverage, network, benefits, and potential out-of-pocket costs before making your decision.
Contact Posey Health Solutions to discuss your health insurance options and determine which plans may be worth considering for your situation.
Frequently Asked Questions
Is private health insurance better than Marketplace insurance?
Not necessarily. The better option depends on your health needs, budget, eligibility, provider preferences, and the specific plans available to you.
Can self-employed people get private health insurance?
Yes. Self-employed individuals can explore individual health insurance options, including Marketplace coverage and certain private health plans.
Do private health insurance plans cover pre-existing conditions?
Coverage depends on the specific type of plan. Some individual private plans use medical underwriting and may have limitations related to pre-existing conditions. Always review the plan's terms before enrolling.
Are private health insurance plans ACA compliant?
Not all private health products are the same. Some are ACA-compliant major medical plans while others are different types of insurance products. It's important to understand exactly what you're purchasing.
Should I compare private insurance with Healthcare.gov?
Yes. Comparing available options can help you understand the differences in premiums, benefits, networks, deductibles, and financial protection before choosing coverage.
2027 Health Insurance Open Enrollment Is Almost Here: 7 Things Self-Employed Americans Should Know
If you're self-employed, a contractor, business owner, or 1099 worker, choosing health insurance can be very different from choosing coverage through a traditional employer.
You don't have an employer picking the plans for you. You may not have an employer contributing toward your premium. And if you're purchasing your own coverage, you have to figure out which options provide the right combination of monthly cost, benefits, provider access, deductibles, and out-of-pocket protection.
With 2027 Open Enrollment approaching, now is the time to start reviewing your options—not after enrollment has already started.
Whether you're currently covered through the Health Insurance Marketplace, buying private health insurance, or simply trying to determine what your options are for 2027, here are seven things self-employed Americans should know.
1. 2027 Open Enrollment Is Coming
For most people purchasing individual health insurance through the Marketplace, Open Enrollment is the primary time of year to enroll in or change an ACA Marketplace plan.
Open Enrollment for 2027 coverage begins November 1, 2026.
That means you don't have to wait until November to start doing your homework.
In fact, starting early can make the process much easier. You can review your current coverage, estimate your expected income for 2027, determine what you're comfortable spending, and compare the types of plans that may be available to you.
The earlier you understand your options, the less likely you are to feel pressured into simply renewing whatever plan you currently have.
2. Don't Assume Your Current Plan Is Still Your Best Option
One of the biggest mistakes people make during Open Enrollment is simply clicking "renew."
Your circumstances may have changed since you originally selected your plan.
Maybe your premium increased.
Maybe your deductible changed.
Maybe your preferred doctor is no longer in-network.
Maybe you are paying significantly more than you expected for prescriptions or specialist visits.
Or perhaps your income has changed and you're no longer receiving the same level of financial assistance.
Health insurance isn't something you should choose once and forget about forever.
Your health, income, family situation, doctors, prescriptions, and budget can all change from year to year.
A new year is an opportunity to compare—not automatically renew.
3. Your Income Can Play a Major Role in Your ACA Options
For self-employed individuals, estimating income can be more complicated than it is for someone receiving a traditional W-2 paycheck.
Your income may come from commissions, business revenue, contract work, freelance work, or multiple sources.
If you're applying for an ACA Marketplace plan, your projected household income can affect your eligibility for premium tax credits and other savings.
That's one reason self-employed individuals should take the time to understand their expected income before selecting coverage.
A major change in income during the year can also affect your eligibility and the amount of financial assistance you receive.
If you're self-employed, don't treat your health insurance application like a simple formality. Your income information can have a significant impact on your options.
4. You May Have More Than One Type of Coverage to Consider
Many people assume that if they don't have employer-sponsored insurance, their only option is a plan through Healthcare.gov.
That's not necessarily the case.
Depending on your circumstances and eligibility, you may be able to compare different types of individual health coverage, including ACA Marketplace plans and certain private health insurance options.
Private health insurance can be worth investigating for individuals who don't receive significant Marketplace subsidies, particularly people who are relatively healthy and want to compare different networks, deductibles, premiums, and plan structures.
However, private plans are not all the same.
Some plans have medical underwriting, different eligibility requirements, exclusions, waiting periods, or other limitations.
That's why it's important to understand exactly what you're purchasing rather than choosing a plan based solely on the monthly premium.
5. Don't Look at the Monthly Premium Alone
A $300-per-month plan isn't necessarily better than a $500-per-month plan.
And a $500-per-month plan isn't necessarily better than a $300-per-month plan.
The right choice depends on what you're getting for that premium.
When comparing health insurance, look beyond the monthly payment.
Pay attention to:
Monthly premium
Deductible
Maximum out-of-pocket amount
Copays
Coinsurance
Primary care benefits
Specialist benefits
Prescription coverage
Hospital coverage
Emergency room coverage
Provider network
Out-of-network benefits
Prescription drug costs
Coverage limitations and exclusions
For example, saving $150 per month on your premium may not be a great deal if the plan has a deductible that you're unlikely to be comfortable paying.
The goal isn't necessarily to find the cheapest health insurance plan. The goal is to find coverage that fits your health needs and financial situation.
6. Your Provider Network Matters
If you have doctors you already like, don't forget to check whether they participate in the network associated with the plan you're considering.
This is particularly important for self-employed individuals who may travel for work or spend significant time in different cities or states.
Before enrolling, consider asking:
"Can I continue seeing the doctors and specialists I currently use?"
You should also consider where you typically receive medical care.
A plan with a narrow network might look attractive because of its lower premium, but it could become frustrating if your preferred doctors or facilities aren't included.
Network size and access can be just as important as the premium.
7. Don't Wait Until November to Start Comparing Your Options
This may be the most important point of all.
Open Enrollment is a deadline—not a starting point.
If you're self-employed, you already have enough responsibilities competing for your attention.
You shouldn't be trying to understand premiums, deductibles, networks, subsidies, and plan options at the last minute.
Start by reviewing your current coverage.
Ask yourself:
Has my premium increased?
Am I happy with my current doctors and network?
How much did I actually spend on healthcare this year?
Is my deductible still reasonable?
Am I receiving Marketplace financial assistance?
Has my income changed?
Could another type of coverage make sense for my situation?
Am I expecting any major changes in 2027?
Answering those questions now can make your Open Enrollment decision much easier.
What Should Self-Employed Americans Do Before Open Enrollment?
If you are self-employed, a contractor, freelancer, 1099 worker, or business owner, consider taking these steps before November:
Review your current plan
Look at your premium, deductible, out-of-pocket maximum, copays, coinsurance, and network.
Estimate your 2027 income
If you're purchasing Marketplace coverage, your projected income can affect your eligibility for financial assistance.
Think about your healthcare needs
Consider your doctors, prescriptions, specialists, planned procedures, and how frequently you typically use healthcare.
Compare multiple options
Don't assume the plan you've had this year will automatically be the best option next year.
Get professional guidance if you're unsure
Health insurance can be complicated, especially when you're comparing different types of coverage.
An experienced health insurance advisor can help you understand the differences between available options and determine what may fit your situation.
Health Insurance for Self-Employed Individuals Doesn't Have to Be Complicated
Being your own boss comes with plenty of advantages, but figuring out health insurance isn't always one of them.
The good news is that you don't have to navigate the process completely on your own.
At Posey Health Solutions, we help individuals, self-employed professionals, contractors, business owners, and families compare health insurance options based on their individual circumstances.
We can help you understand the differences between available plans, compare costs and benefits, and determine what options may be available for your situation.
Whether you're happy with your current coverage or you're frustrated with rising premiums, 2027 is a good time to take another look.
Ready to Compare Your 2027 Health Insurance Options?
Don't wait until Open Enrollment is already underway to start thinking about your coverage.
If you're self-employed, a contractor, 1099 worker, business owner, or simply looking for a better health insurance option, Posey Health Solutions can help you explore your choices.
Contact Posey Health Solutions today to discuss your health insurance options for 2027.
Coverage availability, eligibility, premiums, benefits, networks, and costs vary by plan, state, and individual circumstances. Not all plans are available to everyone. Speak with a licensed health insurance professional to determine which options may be available to you.
Health Insurance for Business Owners & Self-Employed Workers: What Are Your Options in 2026?
Running your own business comes with plenty of freedom—but it also means handling responsibilities that an employer would normally take care of, including health insurance.
Whether you're a small-business owner, independent contractor, freelancer, consultant, real estate professional, or 1099 worker, finding affordable health insurance can be challenging. You may be paying for coverage entirely on your own, dealing with rising premiums, or finding that the plans available through the Marketplace don't fit your needs.
The good news is that you may have several options to consider.
Why Health Insurance Can Be Different When You're Self-Employed
Employees often receive health insurance through an employer, with the employer paying a portion of the premium. When you're self-employed, you're generally responsible for finding and paying for your own coverage.
That can make the process feel overwhelming, especially when you're balancing:
Monthly premiums
Deductibles
Out-of-pocket maximums
Provider networks
Prescription coverage
Tax considerations
Eligibility requirements
Coverage for your spouse or family
For business owners and contractors, the cheapest monthly premium isn't necessarily the best overall option. It's important to look at the entire plan and understand how it works before enrolling.
Health Insurance Options for Business Owners and Contractors
Depending on your circumstances, you may have several types of coverage to consider.
1. ACA Marketplace Plans
The Affordable Care Act Marketplace is one option for individuals and families who don't have access to employer-sponsored coverage.
Marketplace plans can provide comprehensive benefits and may offer premium tax credits to eligible individuals based on household income.
However, eligibility and pricing can vary significantly depending on your income, household size, location, and other factors.
If you're self-employed, it's important to understand how your projected income can affect your Marketplace eligibility and potential financial assistance.
2. Private Health Insurance Plans
Some self-employed individuals and business owners also explore private health insurance options outside of the federal Marketplace.
Depending on the plan and your eligibility, private coverage may offer different network structures, pricing, benefit designs, or underwriting requirements than an ACA Marketplace plan.
Private plans aren't all structured the same way, so it's important to carefully review exclusions, limitations, eligibility requirements, provider networks, deductibles, and maximum out-of-pocket expenses.
For some healthy individuals and business owners, private coverage can be worth comparing alongside Marketplace options.
3. Coverage Through a Spouse
If your spouse has access to employer-sponsored health insurance, joining their plan may be another option.
This can sometimes provide a convenient way for a self-employed individual to obtain coverage without purchasing an individual plan independently.
However, you'll want to compare the employee and family premiums, deductibles, provider networks, and overall benefits before deciding which option makes sense for your household.
4. Health Reimbursement Arrangements for Business Owners
Business owners who have employees may also want to learn about employer-based reimbursement arrangements such as an Individual Coverage Health Reimbursement Arrangement (ICHRA).
An ICHRA can allow eligible employers to reimburse employees for qualifying individual health insurance expenses, subject to applicable rules.
Because employer reimbursement arrangements have specific requirements, business owners should review the rules carefully and consider working with an appropriate tax or benefits professional.
What About 1099 Contractors?
Independent contractors and 1099 workers often don't have access to traditional employer-sponsored benefits.
That means you're responsible for finding coverage that fits your situation.
This can include professionals such as:
Independent sales representatives
Realtors
Consultants
Freelancers
Truck drivers
Construction contractors
Marketing professionals
Healthcare professionals
Gig workers
Small-business owners
Online business owners
Other independent professionals
If your income changes throughout the year, it's especially important to pay attention to how your income affects your available health insurance options.
Don't Only Compare the Monthly Premium
One of the biggest mistakes people make when shopping for health insurance is looking only at the monthly premium.
A plan with a lower premium could potentially have a higher deductible or different cost-sharing structure.
When comparing plans, consider the entire financial picture.
Ask these questions:
What's the monthly premium?
How much will you actually pay every month to keep the coverage active?
What's the deductible?
How much may you have to pay before the plan begins paying for certain covered services?
What's the maximum out-of-pocket amount?
What's the most you could potentially be responsible for during the plan year for covered, in-network services?
Which doctors and hospitals are in-network?
A plan's provider network can be just as important as the premium.
How are prescriptions covered?
If you take regular medications, review the plan's prescription benefits and formulary.
Are there exclusions or limitations?
This is particularly important when comparing different types of private coverage. Make sure you understand what the plan does—and does not—cover.
When Should a Self-Employed Person Start Shopping?
Don't wait until you urgently need coverage to start researching your options.
For many business owners and contractors, reviewing coverage before the annual Open Enrollment period can give you more time to understand what's available and determine what may fit your situation.
If you're approaching Open Enrollment, it's a good idea to gather your current plan information, expected household income, preferred doctors, prescription information, and budget.
Having this information ready can make comparing options much easier.
Can Self-Employed People Get Affordable Health Insurance?
Yes, but "affordable" is different for everyone.
Your available options and pricing can depend on factors such as:
Age
Location
Household size
Income
Tobacco use
Type of coverage
Plan design
Eligibility requirements
That's why it's generally better to compare multiple options rather than assuming the first plan you find is your only choice.
Health Insurance Doesn't Have to Be One-Size-Fits-All
As a business owner or self-employed professional, your health insurance needs may be very different from someone working a traditional 9-to-5 job.
You may prioritize:
A broader provider network
Lower monthly premiums
Predictable costs
Access to specific doctors
Coverage while traveling
Individual or family coverage
Different deductible options
Private plan alternatives
The right approach is to look at the complete picture and understand the tradeoffs associated with each option.
For a deeper look at owner-only coverage, small group plans, ICHRA and QSEHRA, see health insurance for small business owners. Contractors without employees should read the guide for 1099 workers, and if your income is above the subsidy line, here is how the 2027 limits work.
Looking for Health Insurance as a Business Owner or Contractor?
If you're self-employed, a business owner, or an independent contractor, you don't necessarily have to navigate the health insurance market by yourself.
At Posey Health Solutions, we help individuals and families compare health insurance options based on their specific circumstances.
We work with clients in multiple states and can help you understand the differences between available coverage options, including Marketplace and private health insurance alternatives where appropriate.
Ready to see what options may be available to you?
Contact Posey Health Solutions to compare your options and find coverage that fits your needs and budget.
Posey Health Solutions
Helping individuals, families, business owners, and self-employed professionals navigate health insurance.
Contact Posey Health Solutions
2027 Health Insurance: What You Should Know Before Open Enrollment
If you're currently paying for health insurance, now is a good time to start thinking about what your coverage may look like in 2027.
Many people wait until Open Enrollment begins to start shopping for health insurance. By then, they may only have a few weeks to compare plans, understand their options, and decide what works best for their budget and healthcare needs.
The good news? You don't necessarily have to wait until Open Enrollment to start exploring your options.
Whether you're self-employed, a business owner, a contractor, a 1099 worker, or simply looking for a better health insurance option, understanding what's available before Open Enrollment can put you in a much stronger position.
When Is Open Enrollment for 2027 Health Insurance?
For people shopping for individual and family coverage through the federal Marketplace, Open Enrollment generally takes place toward the end of the year for coverage beginning the following year.
For 2027 coverage, that means the important shopping period will be in late 2026.
However, Open Enrollment isn't the only time when someone may be able to obtain health coverage.
Certain life events can create a Special Enrollment Period, potentially allowing you to enroll outside of the standard Open Enrollment window. Qualifying events can include things such as losing existing health coverage, getting married, having a baby, adopting a child, or moving to a new area.
It's also important to understand that not every type of health insurance follows the same enrollment rules.
Don't Assume Healthcare.gov Is Your Only Option
When people think about buying individual health insurance, their first thought is often Healthcare.gov.
The Marketplace is an important option for many Americans, particularly individuals and families who qualify for premium tax credits or other financial assistance.
But depending on your circumstances, you may have other options worth exploring.
Some individuals may qualify for coverage outside of the Marketplace, including certain privately offered health insurance plans.
Private health insurance options can have different eligibility requirements, pricing structures, provider networks, and benefits than Marketplace plans.
That doesn't mean one option is automatically better than the other. The right choice depends on your individual situation.
That's why comparing your options before choosing a plan can be valuable.
Who Should Start Looking at 2027 Coverage Early?
You don't have to be self-employed to benefit from comparing health insurance options early, but certain groups may have more reason to look beyond the traditional Marketplace.
Self-Employed Individuals
If you own your own business or work for yourself, finding affordable health insurance can be one of the biggest challenges of being self-employed.
You may not have access to an employer-sponsored group plan, which means you're responsible for finding and paying for your own coverage.
Comparing Marketplace and private options can help you determine what makes the most sense for your situation.
Contractors and 1099 Workers
Independent contractors and 1099 workers often have more flexibility when choosing their insurance because they aren't tied to an employer's benefits package.
However, that flexibility also means you're responsible for researching and selecting your own coverage.
If you're a contractor or 1099 worker, don't wait until the last minute to start comparing plans for 2027.
Small Business Owners
Business owners may be looking for individual coverage for themselves, coverage for their families, or benefits solutions for employees.
Depending on the circumstances, there may be several different approaches worth discussing.
People Who Don't Qualify for Marketplace Subsidies
One of the biggest reasons to compare different options is that not everyone qualifies for financial assistance through the Marketplace.
If you don't qualify for a premium tax credit, your Marketplace premium may look significantly different from the price you expected.
That's when it can be particularly useful to see what other coverage options may be available.
Why Your 2027 Premium Could Be Different
One of the biggest mistakes people make is assuming their current health insurance premium will stay the same next year.
It may not.
Health insurance premiums can change from year to year based on factors such as healthcare costs, plan pricing, geographic location, age, and changes to available financial assistance.
Your current plan may also change its benefits, provider network, deductible, or other cost-sharing features.
That's why simply allowing your current plan to renew without reviewing it may not always be the best strategy.
Even if you like your current coverage, it's worth checking whether it still makes sense for 2027.
Don't Look at Premiums Alone
A health insurance plan isn't necessarily a good deal just because the monthly premium is low.
When comparing plans, look at the entire picture.
Consider:
Monthly premium
Deductible
Maximum out-of-pocket amount
Doctor and specialist coverage
Hospital coverage
Prescription benefits
Provider network
Coinsurance and copayments
Preventive care
Emergency care
Travel considerations
Eligibility requirements
Coverage limitations and exclusions
A plan with a lower monthly premium may have higher out-of-pocket costs when you actually need medical care.
On the other hand, paying more every month doesn't necessarily mean you'll get better coverage.
The goal is to find a balance between monthly cost, potential out-of-pocket expenses, and the type of healthcare access you actually need.
What About PPO Health Insurance?
For people who value flexibility when choosing doctors and healthcare providers, PPO plans can be particularly appealing.
PPO coverage may provide access to a broader network and can allow members to see specialists without the same referral requirements associated with some other types of plans.
However, PPO plans can vary significantly.
It's important to understand the specific network, benefits, deductibles, coinsurance, and out-of-pocket maximum associated with any plan you're considering.
If having flexibility when choosing doctors and specialists is important to you, make sure that's one of the first things you evaluate when comparing 2027 coverage.
Should You Wait Until Open Enrollment?
Not necessarily.
Even if you ultimately decide to enroll in a Marketplace plan during Open Enrollment, starting your research early can make the process much easier.
You can begin by asking:
What am I paying now?
Has my premium changed?
Am I happy with my current doctors and network?
How much is my deductible?
What is my maximum out-of-pocket exposure?
Do I qualify for financial assistance?
Are there private health insurance options I should compare?
Answering these questions before Open Enrollment can help you make a more informed decision when it's time to select your 2027 coverage.
A Simple 2027 Health Insurance Checklist
Before choosing your coverage for 2027, consider taking these steps:
1. Review Your Current Plan
Look at your current premium, deductible, out-of-pocket maximum, network, and benefits.
2. Estimate Your Healthcare Needs
Think about how often you typically visit doctors, whether you take prescription medications, and whether you anticipate major medical expenses.
3. Check Your Marketplace Eligibility
Determine whether you may qualify for premium tax credits or other Marketplace assistance.
4. Compare Other Available Options
If you're not satisfied with your current coverage or don't qualify for significant Marketplace assistance, investigate whether other individual health insurance options may be available.
5. Verify the Provider Network
If keeping your current doctors is important, don't assume they're included. Always verify the network for the specific plan you're considering.
6. Look Beyond the Monthly Premium
Compare the deductible, coinsurance, copays, maximum out-of-pocket amount, and other important plan features.
7. Start Early
The earlier you understand your options, the less pressure you'll have when Open Enrollment arrives.
For state-specific carrier changes and Open Enrollment details, see your state guide. If your income is near the 400% line, here is what the 2027 limits mean, and contractors can find more in the guide for 1099 workers.
Get Ahead of 2027 Open Enrollment
Choosing health insurance shouldn't be something you rush through at the last minute.
For some people, the Marketplace will be the best solution. For others, a private health insurance option may be worth considering. The important thing is to understand the differences and compare the options available to you.
At Posey Health Solutions, we help individuals, families, self-employed professionals, contractors, business owners, and others review their health insurance options.
We can help you understand the differences between available plans and determine which options may fit your situation.
Don't wait until Open Enrollment is here to start thinking about your 2027 health insurance. Start comparing your options early so you can make a decision with confidence.
Ready to explore your options? Contact Posey Health Solutions to discuss your 2027 health insurance needs.
Insurance availability, eligibility, benefits, rates, and enrollment opportunities vary by state and individual circumstances. Private health insurance plans may have medical underwriting and may not be available to everyone. Always review the plan's official documents for complete details regarding coverage, limitations, exclusions, and eligibility.
What Happens If You Miss Open Enrollment? Health Insurance Options to Know
Missing the health insurance Open Enrollment deadline can be stressful, especially if you need coverage and aren't sure what your options are.
The good news is that missing Open Enrollment does not always mean you have to go without health insurance. Depending on your circumstances, you may still qualify for a Special Enrollment Period, private health insurance, or other coverage options.
At Posey Health Solutions, we help individuals, families, self-employed professionals, contractors, and business owners explore health insurance options throughout the year.
Here’s what you should know if you missed Open Enrollment.
What Is Open Enrollment?
Open Enrollment is the annual period when you can enroll in or change a health insurance plan through the federal Marketplace.
For Marketplace coverage, the annual enrollment period generally occurs toward the end of the year for coverage beginning the following year. Exact dates can change, so it's important to check the current enrollment period when you're shopping for coverage.
Outside of Open Enrollment, you typically cannot simply enroll in a new Marketplace plan whenever you want.
However, there are important exceptions.
Can You Get Health Insurance After Open Enrollment?
Yes, potentially.
If you missed Open Enrollment, your next step should be determining whether you qualify for a Special Enrollment Period (SEP).
A Special Enrollment Period may be available if you experience certain qualifying life events.
Examples can include:
Losing employer-sponsored health insurance
Getting married
Getting divorced and losing coverage
Having a baby
Adopting a child
Moving to a new area that provides different health plan options
Losing eligibility for Medicaid or CHIP
Certain changes in household circumstances
The rules surrounding Special Enrollment Periods can vary depending on the specific event and your circumstances.
If you recently lost coverage or experienced another major life change, it may be worth checking your eligibility rather than assuming you have to wait until the next Open Enrollment period.
What If You Don't Qualify for a Special Enrollment Period?
This is where many people don't realize they may have additional options.
If you don't qualify for a Marketplace Special Enrollment Period, you can still explore health insurance outside of the Marketplace.
Depending on where you live and your circumstances, private health insurance may be available year-round.
Private Health Insurance
Private health insurance can be an option for individuals and families who need coverage outside of the traditional Marketplace enrollment period.
Some private plans are medically underwritten, meaning eligibility and pricing may take your health history into consideration.
These plans can sometimes provide different options for people who:
Missed Marketplace Open Enrollment
Don't qualify for Marketplace subsidies
Are self-employed
Own a small business
Work as a contractor or 1099 professional
Want access to a broader provider network
Are looking for alternatives to their current coverage
Availability, eligibility, benefits, and underwriting requirements vary by plan and state.
Because private plans aren't all structured the same way, it's important to understand exactly what you're purchasing before enrolling.
Private Insurance vs. Marketplace Insurance
One of the biggest mistakes people make is assuming that all health insurance works the same way.
Marketplace plans and private health insurance can have significant differences.
Marketplace Coverage
Marketplace plans are generally:
ACA-compliant
Required to cover essential health benefits
Available during Open Enrollment or qualifying Special Enrollment Periods
Potentially eligible for premium tax credits based on household income and circumstances
Available without medical underwriting
Private Health Insurance
Depending on the plan, private coverage may:
Be available outside Marketplace Open Enrollment
Use medical underwriting
Have different eligibility requirements
Offer different provider networks
Have different deductibles, coinsurance, and out-of-pocket structures
Be particularly appealing to certain individuals who don't qualify for Marketplace financial assistance
The important thing is to compare the actual benefits and limitations, rather than choosing a plan simply because the monthly premium looks attractive.
What About Short-Term Health Insurance?
Short-term health insurance is another type of coverage that some people consider after missing Open Enrollment.
These plans are generally designed to provide temporary coverage rather than function as a long-term replacement for comprehensive health insurance.
Depending on the plan and current federal and state rules, short-term coverage may have limitations involving:
Pre-existing conditions
Prescription drugs
Preventive care
Certain medical services
Coverage duration
Renewal options
Rules surrounding short-term health insurance can also change, so it's important to review the current terms before enrolling.
What If I Just Need Coverage for a Few Months?
Sometimes people miss Open Enrollment because they only recently lost their previous insurance.
For example, you might have:
Left a job
Lost employer coverage
Become self-employed
Graduated from college
Turned 26 and lost coverage under a parent's plan
Started working as a contractor
Experienced a change in household income
In these situations, you may have more than one potential path to coverage.
A Special Enrollment Period may be available through the Marketplace, while other private coverage options may also be worth comparing.
The best choice depends on your circumstances, health needs, budget, and how long you expect to need coverage.
Don't Assume the Cheapest Plan Is the Best Plan
When shopping for health insurance after missing Open Enrollment, it's tempting to focus entirely on the monthly premium.
That's understandable—but the premium is only one part of the cost.
Before choosing a plan, look at:
Monthly premium:
How much will you pay each month to maintain the coverage?
Deductible:
How much may you have to pay before the plan begins paying for certain covered services?
Maximum out-of-pocket:
What's the most you could potentially spend on covered services in a plan year?
Provider network:
Are your doctors, hospitals, and specialists included?
Prescription coverage:
Are your medications covered, and what will they cost?
Coinsurance and copays:
How much will you pay when you actually use your coverage?
Exclusions and limitations:
Are there services or conditions that aren't covered?
A plan with a lower monthly premium isn't necessarily cheaper if you end up paying significantly more when you need medical care.
What Should You Do If You Missed Open Enrollment?
If you missed the deadline, don't panic.
Start by determining why you missed enrollment and what your current insurance situation looks like.
Then consider these steps:
1. Check for a Special Enrollment Period
If you've recently lost coverage or experienced another qualifying life event, you may still be able to enroll in a Marketplace plan.
2. Compare Private Health Insurance
If you don't qualify for a Special Enrollment Period, explore whether private health insurance options are available in your state.
3. Review the Entire Plan
Don't make your decision based solely on the monthly premium. Review the deductible, out-of-pocket maximum, network, prescriptions, exclusions, and other important benefits.
4. Consider How Long You Need Coverage
Someone who needs coverage for several years may want a different solution than someone who only needs temporary coverage while transitioning between jobs.
5. Work With a Licensed Health Insurance Professional
Health insurance can be complicated, particularly when you're comparing Marketplace coverage, private plans, and other options.
A licensed insurance professional can help you understand what options may be available based on your situation.
What If You're Self-Employed or a 1099 Worker?
Missing Open Enrollment can be particularly frustrating if you're self-employed, a contractor, or working as a 1099 professional.
Unlike traditional employees, you may not have an employer offering group health insurance.
That means you're responsible for finding your own coverage.
Private health insurance can be worth exploring if you're self-employed and:
Don't receive employer-sponsored coverage
Don't qualify for significant Marketplace subsidies
Want to compare additional plan options
Prefer certain provider networks
Need coverage outside the standard Marketplace enrollment period
There isn't one health insurance solution that's right for every self-employed person, so comparing multiple options can be valuable.
Don't Wait Until You Need Medical Care
One of the biggest mistakes you can make after losing health insurance is waiting until you're sick to start looking for coverage.
Enrollment rules can limit your options, and some types of private coverage may require you to qualify before you can enroll.
If you've recently lost coverage—or know your current plan is ending—start researching your options as early as possible.
If you have just lost job-based coverage, compare your choices with the COBRA vs. Marketplace vs. Private calculator. For plans you can buy any month, see the self-employed guide for your state, and check your state guide for local rules.
The Bottom Line
Missing Open Enrollment doesn't necessarily mean you're out of options.
You may qualify for a Special Enrollment Period because of a qualifying life event. If you don't, you may still be able to explore private health insurance or other coverage options depending on your state and circumstances.
The key is not to assume that you have to wait until the next Open Enrollment period.
At Posey Health Solutions, we help individuals, families, self-employed professionals, contractors, and business owners compare health insurance options and understand what may be available outside of the traditional Marketplace enrollment period.
If you've missed Open Enrollment and aren't sure what to do next, contact Posey Health Solutions to discuss your options.
Health insurance availability, eligibility, benefits, underwriting requirements, and enrollment rules vary by state and plan. This article is for educational purposes only and is not a guarantee of coverage or eligibility.
Why Your Health Insurance Premium May Be Going Up in 2027
If your health insurance premium seems higher every year, you are not alone. As we approach 2027, many individuals, families, self-employed workers, and business owners may be wondering why their health insurance costs continue to increase — and whether there are better options available.
Health insurance premiums can change from year to year for several reasons. Medical costs, prescription drug prices, changes in the insurance market, household income, and changes to available subsidies can all affect what you pay for coverage.
The important thing to remember is this: you don't necessarily have to accept your current premium as the only option.
Whether you have an ACA Marketplace plan, employer coverage, or another type of health insurance, reviewing your options before your current plan renews can potentially help you find coverage that better fits your needs and budget.
1. Medical Costs Continue to Rise
One of the biggest factors behind health insurance premium increases is the rising cost of healthcare.
Hospitals, doctors, specialists, diagnostic testing, procedures, and prescription medications can all become more expensive over time. Insurance companies take these costs into account when determining premiums for future coverage periods.
When the overall cost of providing healthcare increases, insurers may adjust premiums accordingly.
This means your premium could increase even if your personal health hasn't changed at all.
You could have the same doctors, use the same prescriptions, and have very few medical expenses — yet still see your monthly premium increase when your plan renews.
2. Prescription Drug Costs Can Affect Premiums
Prescription medications are another major factor in healthcare spending.
New medications, specialty drugs, biologic treatments, and increasingly expensive prescriptions can contribute significantly to the overall cost of medical care.
Insurance companies consider the claims and prescription expenses across their covered populations when setting future rates.
As a result, rising medication costs can contribute to higher premiums even for people who don't personally take expensive medications.
3. Your ACA Subsidy Could Change
For people enrolled in an ACA Marketplace plan, the amount you pay each month isn't necessarily determined solely by the insurance company's listed premium.
Financial assistance can reduce the amount an eligible household pays for coverage.
However, changes in household income, family size, eligibility rules, or other circumstances can affect how much assistance you receive.
This is particularly important for self-employed individuals and business owners because income can fluctuate from year to year.
If your income changes significantly, your premium assistance may change as well.
That's one reason it's important to review your information and coverage options each year rather than simply allowing your existing plan to renew automatically.
4. Your Plan May Be Changing
Sometimes the increase isn't simply about the cost of healthcare.
Insurance companies can change the plans they offer, including premiums, deductibles, copays, coinsurance, provider networks, and other benefits.
A plan that worked well for you one year may look very different the next.
For example, you could see:
A higher monthly premium
A higher deductible
Changes to your provider network
Different prescription coverage
Higher copays or coinsurance
Changes to the plan's out-of-pocket maximum
That's why looking only at the monthly premium can be misleading.
A lower premium isn't automatically a better deal, and a higher premium doesn't automatically mean better coverage.
The goal is to understand the overall cost and benefits of the coverage.
5. Your Income May Put You in a Different Position
Self-employed individuals, contractors, freelancers, and business owners often have a different experience with health insurance than traditional W-2 employees.
Your income may change throughout the year, which can affect your eligibility for certain forms of financial assistance.
Someone who had a significant subsidy one year may receive less assistance the following year depending on their circumstances.
On the other hand, someone who didn't qualify for meaningful assistance may want to explore other types of health insurance that aren't structured the same way as Marketplace coverage.
This is one reason self-employed individuals should consider more than one approach when shopping for coverage.
6. You May Have More Options Than You Realize
Many people assume that their only choices are:
Keep the plan they have or choose another Marketplace plan.
That's not necessarily the case.
Depending on your circumstances, you may be able to explore other forms of individual health coverage, including privately offered plans and private PPO options.
Some private health insurance plans are medically underwritten and may have different eligibility requirements, pricing structures, provider networks, and benefits than ACA Marketplace plans.
These plans aren't appropriate for everyone, and eligibility can depend on factors such as age, location, health history, and the specific plan.
However, if you're frustrated with your current coverage or premium, it can be worthwhile to find out what options are available to you.
7. Automatically Renewing May Not Be Your Best Strategy
One of the easiest mistakes to make with health insurance is doing nothing.
Your current plan may automatically renew, which can make it tempting to simply keep paying the new premium.
But your circumstances may have changed.
Maybe your income is different.
Maybe you've moved.
Maybe your doctors have changed.
Maybe you're healthier than you were several years ago.
Maybe your current deductible no longer makes sense for your budget.
Or perhaps you're simply paying more than you feel comfortable paying each month.
A yearly review gives you an opportunity to compare your current coverage against what's available.
How to Prepare for 2027 Health Insurance Costs
If you're concerned that your health insurance premium could increase in 2027, there are several things you can do now.
Review Your Current Coverage
Look beyond the monthly premium.
Review your:
Deductible
Maximum out-of-pocket
Copays
Coinsurance
Prescription coverage
Provider network
Hospital network
Covered services
Understanding what you're actually paying for makes it easier to compare alternatives.
Estimate Your 2027 Income
If you receive Marketplace financial assistance, having a reasonable estimate of your household income can be especially important.
Self-employed individuals should pay particular attention because income can change throughout the year.
To see the proposed 2027 increases and carrier exits where you live, check your state guide. If a big increase pushes you toward private coverage, the self-employed guide for your state explains the options, and here is how the 2027 subsidy limits work.
Don't Wait Until the Last Minute
Open Enrollment can be a busy time for consumers, insurance companies, and advisors.
Starting your research earlier gives you more time to understand your options and determine whether your current coverage still makes sense.
You don't have to wait until you're staring at a new premium bill to start thinking about your next plan.
Compare More Than One Type of Coverage
If you're unhappy with your current Marketplace plan, don't automatically assume that switching to another Marketplace plan is your only solution.
Depending on your situation, it may make sense to compare ACA Marketplace coverage with other individual health insurance options.
A licensed insurance professional can help you understand the differences and determine which options you may qualify for.
What If My Health Insurance Premium Goes Up in 2027?
The first step is not to panic — and don't automatically assume you have to accept the increase.
Instead, take the opportunity to review your current coverage and compare it with other options.
For some people, staying with their current plan may still be the best choice.
For others, switching plans could provide a better balance between monthly premiums, deductibles, networks, and benefits.
And for certain individuals, particularly self-employed workers, contractors, business owners, and people who don't qualify for significant Marketplace financial assistance, private health insurance may be worth investigating.
The right choice depends on your individual circumstances.
Looking for Health Insurance Options for 2027?
At Posey Health Solutions, we help individuals, families, self-employed professionals, contractors, and business owners explore their health insurance options.
If you're concerned about rising premiums or you're simply not satisfied with your current coverage, you don't have to wait until your renewal date to start researching alternatives.
We can help you understand what types of coverage may be available and compare options based on your individual needs.
Don't assume your current premium is your only option for 2027.
Start reviewing your health insurance options before you renew.
Contact Posey Health Solutions today to learn more about your available health insurance options.
Frequently Asked Questions
Why does health insurance get more expensive every year?
Health insurance premiums can increase because of rising healthcare costs, prescription drug expenses, changes in utilization, inflation, changes to insurance plans, and other factors affecting the cost of providing healthcare.
Will everyone's health insurance premium increase in 2027?
Not necessarily. Premium changes vary depending on the insurance company, plan, location, age, household circumstances, and type of coverage.
Can my Marketplace subsidy change in 2027?
It can. Marketplace financial assistance can depend on factors such as household income and family size. Changes in your circumstances can affect the amount of assistance for which you qualify.
Can I switch health insurance if my premium increases?
Depending on your circumstances and the type of coverage you have, you may have opportunities to change plans during Open Enrollment or through a qualifying Special Enrollment Period. Other types of coverage may have different enrollment rules.
Is private health insurance an alternative to Marketplace coverage?
For some individuals, private health insurance may be an alternative worth exploring. Eligibility, underwriting, benefits, networks, and costs vary by plan and individual circumstances.
When should I start looking at health insurance for 2027?
It's generally a good idea to start reviewing your options before your current coverage renews. Starting early gives you more time to understand your current plan, estimate your upcoming costs, and compare available alternatives.
Don't Wait Until November to Start Thinking About Health Insurance
If you have health insurance through the Marketplace, are self-employed, work as a contractor, or purchase your own coverage, you may already have November marked on your calendar.
But here's the thing: you don't have to wait until November to start thinking about your health insurance.
Open Enrollment can be a busy time of year. Millions of people begin reviewing their coverage, comparing plans, and deciding what they want their health insurance to look like for the upcoming year.
Waiting until the last minute can make the process feel rushed.
Instead, starting early gives you time to understand your options, review your current coverage, and determine whether there may be a better fit for your needs.
Why Start Shopping Before Open Enrollment?
Open Enrollment is when many people begin looking at their health insurance options for the upcoming year. But waiting until the enrollment window opens to start researching can put you behind.
Your health insurance needs may have changed since you originally enrolled.
Maybe your premium has increased. Maybe your deductible feels too high. Maybe you've had difficulty finding doctors who accept your current network. Or perhaps your income has changed and you're no longer receiving the same level of financial assistance.
These are all reasons to take another look at your coverage.
Your current plan may have been the right choice last year. That doesn't necessarily mean it's still the right choice for next year.
Don't Automatically Renew Without Comparing Your Options
One of the easiest mistakes people can make is simply allowing their current health insurance plan to continue without reviewing alternatives.
It's understandable. Life gets busy, and if your current plan is working, it can seem easier to leave everything alone.
But health insurance plans can change.
Premiums, deductibles, provider networks, copays, coinsurance, and other plan features can vary from year to year. Your own circumstances can change, too.
Before renewing, consider asking yourself:
Has my monthly premium changed?
Has my deductible changed?
Are my preferred doctors still in-network?
Are my prescriptions covered the way I expect?
Has my income or employment situation changed?
Am I still happy with my current coverage?
Are there other health insurance options I should consider?
Even if you ultimately decide to keep your existing plan, comparing your options can give you confidence that you're making an informed decision.
Private Health Insurance May Be Worth Exploring
For some individuals and families, a Marketplace plan may be the best option.
For others, private health insurance may be worth exploring.
Private health plans can be particularly interesting for people who purchase their own insurance and don't receive significant Marketplace subsidies, including some self-employed individuals, contractors, business owners, and professionals.
Depending on your situation and eligibility, private plans may offer different combinations of premiums, deductibles, provider networks, and benefits.
That doesn't mean private insurance is automatically better than a Marketplace plan. It means it's worth comparing your options before making a decision.
The right health insurance plan depends on your health needs, budget, eligibility, preferred providers, and other personal circumstances.
What Can You Do Now?
You don't need to wait until November to start preparing.
A good first step is simply to review your current coverage.
Pull out your insurance information and look at your:
Monthly premium
Deductible
Maximum out-of-pocket
Doctor and hospital network
Prescription coverage
Copays and coinsurance
Current healthcare needs
Then think about what you would change if you could.
Would you rather have a lower monthly premium?
Would a broader provider network be more important?
Would you prefer a different deductible structure?
Are you paying for coverage you rarely use?
Answering these questions now can make the enrollment process much easier when the time comes.
Don't Let Open Enrollment Sneak Up on You
November may seem far away, but it will be here before you know it.
The worst time to start thinking about your health insurance is when you're already feeling rushed to make a decision.
Starting early gives you an opportunity to research, ask questions, compare plans, and understand what may be available to you.
You don't have to wait until Open Enrollment to start exploring your options.
If you're currently paying for your own health insurance and want to see whether there may be other options available, now can be a good time to start the conversation.
Two numbers to keep in mind as you plan: for 2027, Marketplace subsidies stop above $63,840 for one person and $132,000 for a family of four (see the full limits), and several carriers are leaving state Marketplaces. Check your state guide to see what is changing where you live, or the business owner guide if you cover employees.
Ready to Review Your Health Insurance Options?
At Posey Health Solutions, we help individuals, families, self-employed professionals, contractors, and business owners explore their health insurance options.
If you're wondering whether your current coverage is still the right fit, we can help you compare available options based on your situation.
Don't wait until November to start thinking about your health insurance. Start exploring your options now.
Schedule a consultation with Posey Health Solutions today and get ahead of Open Enrollment.
Can You Get Health Insurance Outside of Healthcare.gov? What You Need to Know in 2026
When people start shopping for health insurance, one of the first places they usually hear about is Healthcare.gov.
But what if you don't want a Marketplace plan?
Can you get health insurance somewhere else?
Yes, in some circumstances. There are health insurance options available outside of Healthcare.gov, but the type of coverage available to you depends on factors such as your state, age, health history, income, employment status, and the type of plan you're looking for.
For self-employed individuals, contractors, business owners, and people who don't qualify for significant Marketplace subsidies, exploring options outside of Healthcare.gov can be especially important.
In this guide, we'll explain how health insurance outside of Healthcare.gov works and what you should know before choosing a plan.
What Is Healthcare.gov?
Healthcare.gov is the federal health insurance Marketplace used by many states to offer individual and family health insurance plans under the Affordable Care Act (ACA).
Marketplace plans provide important consumer protections, including coverage for pre-existing conditions and coverage of essential health benefits.
Depending on your household income and circumstances, you may also qualify for premium tax credits that reduce your monthly premium.
For some people, Marketplace coverage is an excellent option.
However, Healthcare.gov isn't the only place where you can look for health coverage.
Can You Buy Health Insurance Without Using Healthcare.gov?
Yes.
Depending on where you live and your circumstances, you may be able to obtain health coverage directly from an insurance company, through an insurance agent or broker, through an employer, or through other private-market options.
However, it's important to understand that "outside Healthcare.gov" doesn't automatically mean "better" or "cheaper."
Different types of coverage have different rules, benefits, eligibility requirements, and limitations.
The goal isn't simply to avoid Healthcare.gov.
The goal is to find coverage that actually fits your situation.
1. Private Health Insurance
One option worth investigating is private health insurance.
Private health plans are generally purchased outside of the government Marketplace and can offer different plan structures than the plans you may see on Healthcare.gov.
Depending on the plan and your eligibility, you may find options that include PPO-style networks, different deductible structures, and different approaches to premiums and benefits.
Some private plans may also use medical underwriting, meaning your health history can be considered when determining eligibility or coverage.
Because of this, private health insurance isn't necessarily available to everyone.
It's important to understand exactly what you're applying for before enrolling.
2. Buying Coverage Directly From an Insurance Company
Some insurance companies allow consumers to purchase certain health insurance products directly.
You may also work with a licensed insurance agent or broker who can compare available options from multiple carriers.
Working with an agent can be useful because the health insurance market can be complicated.
Instead of looking at one plan, you may be able to compare multiple options based on:
Monthly premium
Deductible
Maximum out-of-pocket
Provider network
Prescription coverage
Copays
Coinsurance
Eligibility requirements
Coverage limitations
The cheapest premium isn't necessarily the best value.
3. Employer-Sponsored Health Insurance
If you have access to health insurance through an employer, you may not need to use Healthcare.gov at all.
Employer-sponsored coverage remains one of the most common ways Americans obtain health insurance.
Your employer may pay a portion of your monthly premium, making the coverage more affordable than purchasing an individual plan.
However, this isn't an option for everyone.
Self-employed individuals, independent contractors, freelancers, and people between jobs often have to look for individual coverage instead.
4. Health Insurance Through a Spouse
If your spouse has employer-sponsored health insurance, you may be able to join their plan.
Depending on the employer's rules, adding a spouse may be an affordable alternative to purchasing an individual Marketplace plan.
It's worth comparing the total cost and benefits before making a decision.
5. Short-Term Health Insurance
Short-term health insurance is another type of coverage that exists outside the Marketplace.
However, short-term plans are not the same thing as ACA Marketplace insurance.
They can have different rules, benefits, exclusions, and limitations.
Depending on the plan and state regulations, short-term coverage may not provide the same protections as comprehensive ACA coverage.
For that reason, consumers should carefully review what a short-term plan does—and does not—cover before enrolling.
Private plans sold outside the exchange vary by state, including short-term limits and Farm Bureau plans. The self-employed guide for your state lays out what is available where you live, and the state guides cover the exchange side. If you are over the subsidy line, see the 2027 limits.
Why Would Someone Look for Health Insurance Outside Healthcare.gov?
There are several reasons someone may want to explore alternatives.
You Don't Qualify for Significant Subsidies
Marketplace tax credits can make ACA coverage very affordable for eligible households.
But if you don't qualify for substantial financial assistance, your monthly premium could be considerably higher.
At that point, it may make sense to compare other available options.
You're Self-Employed
Self-employed individuals don't have an employer choosing their health insurance.
You may have to find and pay for your own coverage.
That makes it especially important to compare multiple options rather than automatically choosing the first Marketplace plan you see.
You're a 1099 Worker or Contractor
Independent contractors and freelancers often have the same challenge.
You may have a good income but no employer-sponsored health benefits.
Private health insurance may be one category worth investigating.
You Want a PPO
Some consumers prefer PPO-style coverage because of the flexibility associated with PPO networks.
If having access to specific doctors, specialists, or hospitals is important to you, network structure should be one of the first things you investigate.
Is Health Insurance Outside Healthcare.gov Cheaper?
It can be, but there's no universal answer.
Your price depends on the specific plan, your location, your age, your eligibility, and other factors.
For someone receiving substantial Marketplace subsidies, an ACA plan may be extremely difficult to beat on price.
For someone paying the full unsubsidized Marketplace premium, however, comparing other options may make sense.
That's why it's important to compare the total cost and coverage, rather than assuming one type of insurance is always cheaper.
What Should You Check Before Buying a Private Health Plan?
If you're considering coverage outside Healthcare.gov, don't make your decision based solely on the monthly premium.
Look at the entire plan.
Check the Provider Network
Are your doctors included?
Are your preferred hospitals included?
Can you see specialists without unnecessary restrictions?
Understand the Deductible
Your deductible is the amount you may have to pay toward covered services before the plan begins paying certain expenses.
A low premium can sometimes come with a higher deductible.
Look at the Maximum Out-of-Pocket
Understand the maximum amount you could potentially be responsible for under the policy.
This is particularly important when comparing plans for major medical expenses.
Read the Exclusions
This is especially important with private and non-Marketplace coverage.
Make sure you understand what the policy excludes, including any restrictions related to pre-existing conditions, specific treatments, or other services.
Understand How the Plan Is Underwritten
Some private health plans may use medical underwriting.
That means your health history could affect whether you qualify or how coverage is structured.
This is very different from ACA Marketplace coverage, where eligibility and pricing aren't based on your medical history in the same way.
Is Healthcare.gov the Only Place to Get Health Insurance?
No.
Healthcare.gov is an important resource for people looking for ACA Marketplace coverage, but it isn't the only avenue for obtaining health coverage.
Depending on your circumstances, you may have access to:
Employer-sponsored insurance
Spouse or family coverage
Private health insurance
Short-term health insurance
Other qualifying coverage options
The key is understanding the differences between these types of coverage.
The Bottom Line
If you've been searching for health insurance outside of Healthcare.gov, you're not necessarily limited to Marketplace plans.
There may be private health insurance options available depending on where you live and your individual circumstances.
For self-employed individuals, contractors, business owners, and people who don't qualify for significant Marketplace subsidies, comparing private coverage alongside Marketplace options may be worthwhile.
However, don't choose a plan simply because it has a lower premium.
Look at the network, deductible, maximum out-of-pocket, benefits, exclusions, eligibility requirements, and overall coverage.
The right health insurance isn't necessarily the cheapest plan.
It's the plan that provides the right combination of coverage, cost, and access to healthcare for your situation.
Looking for Health Insurance Outside Healthcare.gov?
At Posey Health Solutions, we help individuals, families, self-employed professionals, contractors, and business owners explore health insurance options available outside the traditional employer-sponsored system.
If you're currently paying too much for coverage or simply want to know what other options may be available, we can help you compare your choices.
You don't have to assume Healthcare.gov is your only option.
Explore your options and find out what types of health coverage may be available to you.
[Request a Free Health Insurance Consultation →]
Disclaimer: Health insurance availability, eligibility, benefits, underwriting requirements, exclusions, and costs vary by state and individual circumstances. Private health plans are not necessarily available to every applicant. Always review the policy documents, limitations, and exclusions before enrolling.
Why Is Health Insurance So Expensive? 7 Ways to Potentially Lower Your Health Insurance Costs in 2026
For many Americans, health insurance has become one of the largest monthly household expenses.
A plan that once seemed affordable can suddenly come with a much higher premium, a large deductible, and significant out-of-pocket costs. For self-employed individuals, contractors, business owners, and families purchasing their own coverage, the cost can be especially noticeable because there is no employer covering part of the premium.
The good news is that you don't necessarily have to accept your current health insurance premium as the only option.
There are several ways to potentially reduce what you spend on health insurance while still maintaining meaningful coverage.
Here are seven strategies worth considering in 2026.
1. Don't Look Only at Your Monthly Premium
One of the biggest mistakes people make when shopping for health insurance is focusing entirely on the monthly premium.
For example, a plan with a $300 monthly premium might initially look much better than a plan costing $450 per month.
But what happens if the $300 plan has a significantly higher deductible, higher coinsurance, or a much more restrictive provider network?
Your monthly premium is only one part of the total cost.
When comparing plans, look at:
Monthly premium
Annual deductible
Maximum out-of-pocket
Copays
Coinsurance
Prescription costs
Provider network
Hospital network
Specialist access
The cheapest monthly premium isn't necessarily the cheapest plan to actually use.
2. Check Whether You Qualify for Marketplace Savings
If you purchase your own health insurance, it's worth checking whether you qualify for premium tax credits or other Marketplace savings.
Marketplace savings are generally based on factors including household income and household size. If you're self-employed, HealthCare.gov uses your estimated net self-employment income when determining eligibility for Marketplace savings.
Your situation can also change during the year.
If your income changes significantly, you should update your Marketplace application because your eligibility for savings can change as well.
For 2026, this is particularly important because the additional Marketplace savings that were available in previous years ended after December 31, 2025. HealthCare.gov notes that people who qualify for savings in 2026 may pay more for Marketplace coverage than they did under the enhanced savings.
3. Compare More Than One Type of Health Plan
If you've had the same type of health insurance for years, you may be missing alternatives.
Depending on your situation and eligibility, you may be able to compare different types of individual health coverage.
This can include:
ACA Marketplace plans
Private health insurance
PPO plans
HMO plans
High-deductible health plans
Other individual coverage options
Different plans are designed for different needs.
Someone who rarely uses medical care may prioritize a lower premium and protection against major medical expenses.
Someone who visits doctors frequently may be more concerned with deductibles, copays, prescription coverage, and specialist access.
The right plan depends on how you actually use healthcare.
4. Review Your Provider Network
A lower premium isn't worth much if your preferred doctors aren't included.
Before changing plans, check whether the new plan includes:
Your primary care physician
Specialists
Preferred hospitals
Urgent care facilities
Prescription pharmacies
Other providers you regularly use
This is especially important if you prefer PPO coverage or regularly travel outside your local area.
Network structures can vary significantly between plans, even when the plans are offered by the same insurance company.
5. Consider Whether You Really Need the Same Coverage You Had Before
Your health insurance needs can change over time.
Maybe you were previously going to the doctor frequently but now rarely need medical care.
Maybe your children are no longer on your plan.
Maybe you became self-employed.
Maybe you started working as a contractor.
Or perhaps your income changed and your current plan no longer makes financial sense.
Your health insurance should reflect your current situation—not necessarily the situation you were in several years ago.
That doesn't mean choosing the cheapest plan available.
It means reviewing your coverage periodically to make sure the premium and benefits still make sense for you.
6. Look at Private Health Insurance Options
For some individuals, particularly people who don't qualify for significant Marketplace subsidies, private health insurance may be worth investigating.
Private plans can have different structures, networks, underwriting requirements, benefits, and eligibility rules depending on the product and state.
Some people are particularly interested in private PPO options because of their provider network and flexibility.
However, private health insurance isn't automatically better or cheaper.
Some private plans may medically underwrite applicants, and certain plans may have exclusions, limitations, or eligibility requirements that don't apply to ACA Marketplace coverage.
That's why it's important to understand the actual policy—not simply compare the monthly premium.
7. Work With a Licensed Health Insurance Professional
Health insurance can be difficult to compare because two plans with similar premiums can have dramatically different benefits.
A licensed insurance agent or broker can help you compare available options and identify differences that may not be obvious when looking at a plan online.
This can be particularly useful if you're:
Self-employed
A business owner
A 1099 contractor
A freelancer
A medical professional
Traveling frequently for work
Paying the full cost of your health insurance
Unhappy with your current plan
Unsure whether you qualify for Marketplace savings
The goal isn't simply to find a cheaper health insurance plan.
The goal is to find coverage that makes financial sense for your situation while still providing the benefits and access to care you need.
How Much Should You Be Paying for Health Insurance?
There isn't a single dollar amount that everyone should pay.
Health insurance premiums can vary significantly based on factors such as:
Age
Location
Household size
Income
Plan type
Coverage level
Tobacco use
Eligibility for financial assistance
Insurance company
Specific plan
That's why comparing your current plan against other available options can be more useful than trying to determine whether your premium is “normal.”
A $500 monthly premium might be expensive for one person and reasonable for another depending on the coverage and financial assistance available.
Don't Forget About the Worst-Case Scenario
When comparing health insurance, consider what happens if something goes seriously wrong.
Imagine you have an unexpected hospitalization, surgery, or major medical event.
How much would you potentially have to pay?
Look at the plan's maximum out-of-pocket amount and understand what expenses count toward it.
This is one of the most important numbers to consider when comparing health insurance because it gives you an idea of your potential financial exposure for covered services.
A plan with a slightly higher monthly premium could potentially make more sense if it provides substantially better protection when you actually need medical care.
One more way to lower costs: make sure you are not paying full Marketplace price when a private plan would cost less. See the 2027 subsidy limits, compare options in the self-employed guide for your state, and consider supplemental coverage if a high deductible is the real worry.
The Bottom Line
If your health insurance feels too expensive in 2026, don't automatically assume that you have to keep paying the same amount.
Start by reviewing your current plan.
Look at your premium, deductible, maximum out-of-pocket, provider network, prescription coverage, and overall benefits.
Then compare your available options.
For some people, Marketplace coverage may be the best choice—especially if they qualify for financial assistance.
For others, particularly those paying the full cost of their coverage, comparing private health insurance options may be worthwhile.
The best health insurance isn't necessarily the cheapest plan. It's the plan that provides the right balance of cost, coverage, network access, and financial protection for your situation.
Looking for More Affordable Health Insurance Options?
If you're tired of paying too much for health insurance or aren't sure whether your current plan is still the right fit, Posey Health Solutions can help you compare your options.
We work with individuals, families, self-employed professionals, business owners, contractors, and others looking for health coverage outside of the traditional employer-sponsored model.
Don't assume your current premium is the best price available. Explore your options and see what may be available to you.
[Get a Health Insurance Quote]
Health insurance availability, eligibility, premiums, benefits, networks, underwriting requirements, exclusions, and costs vary by state and plan. Private health insurance is not appropriate for everyone. Always review the plan's official policy documents before enrolling.
Frustrated With Your Marketplace Health Insurance? Here’s Another Option to Consider
For millions of Americans, the ACA Marketplace is the first place they look for health insurance. But while Marketplace coverage can be a good fit for many people, it isn't necessarily the best option for everyone.
If you're frustrated with high premiums, limited provider networks, changing costs, or simply feel like you're paying a lot for coverage you don't use, it may be worth exploring private health insurance plans.
Private health insurance can provide an alternative for individuals and families who meet the plan's eligibility requirements.
Why Are People Looking Beyond Marketplace Plans?
Marketplace plans have helped make health insurance available to more people, but they can also come with challenges.
Depending on where you live and your circumstances, you may encounter:
High monthly premiums
High deductibles
Significant out-of-pocket expenses
Narrow or limited provider networks
Fewer PPO options
Coverage that doesn't fit your particular needs
Premium changes from year to year
For someone who is relatively healthy and doesn't use their insurance frequently, paying a large monthly premium for a plan with a high deductible can sometimes feel frustrating.
That's one reason some consumers choose to investigate alternatives.
What Is Private Health Insurance?
Private health insurance refers to coverage offered outside of the federal or state ACA Marketplace.
Depending on the plan, private coverage may use medical underwriting to determine eligibility and pricing. This means the insurance company may consider factors such as your health history when determining whether you qualify for coverage.
Some private plans may offer features that appeal to consumers who prioritize flexibility, including PPO networks and access to a broader selection of doctors and hospitals.
However, private plans are not all the same. Some may have exclusions, limitations, waiting periods, or specific eligibility requirements.
That's why understanding exactly what you're purchasing is extremely important.
Private Health Insurance vs. Marketplace Insurance
The right type of coverage depends on your individual situation.
Marketplace Insurance
Marketplace plans are ACA-compliant health insurance plans. Depending on your household income and circumstances, you may qualify for a premium tax credit that can significantly reduce your monthly premium.
Marketplace plans also provide the consumer protections and required benefits associated with ACA coverage.
Private Health Insurance
Private plans operate differently.
Some private plans are medically underwritten, meaning your health history may be considered when determining eligibility. Depending on the plan, private coverage may offer different network structures, pricing, deductibles, and benefit designs than Marketplace plans.
For certain healthy individuals, the cost and structure of a private plan may be worth investigating.
For others — particularly people who qualify for substantial Marketplace subsidies or have significant medical needs — an ACA Marketplace plan may still be the better choice.
There isn't one health insurance plan that is best for everyone.
Who Should Consider Looking at Private Plans?
Private health insurance may be worth researching if you:
Are unhappy with your current Marketplace plan
Are paying a high monthly premium
Don't qualify for significant Marketplace subsidies
Are relatively healthy
Want to explore PPO options
Want to compare alternatives before choosing your next plan
Are self-employed or work as a 1099 contractor
Want to understand what options exist outside of the Marketplace
That doesn't automatically mean a private plan will be right for you. The important thing is to compare the actual benefits, exclusions, network, deductible, out-of-pocket exposure, and monthly premium.
Don't Just Compare the Monthly Premium
One of the biggest mistakes people make when shopping for health insurance is looking only at the monthly premium.
A $300-per-month plan isn't necessarily cheaper than a $500-per-month plan.
You should also consider:
Deductible: How much do you have to pay before certain benefits begin?
Maximum out-of-pocket: What's the most you could potentially spend on covered services during the plan year?
Provider network: Can you continue seeing the doctors and hospitals you prefer?
Prescription coverage: Are your medications covered, and what will they cost?
Exclusions and limitations: Are there medical conditions, treatments, or services that aren't covered?
Pre-existing condition provisions: Does the plan have restrictions related to your health history?
Looking at the entire picture can give you a much better idea of whether a plan actually fits your needs.
You May Have More Options Than You Think
If you're currently enrolled in a Marketplace plan and aren't happy with what you're paying or receiving in return, don't assume that your current plan is your only option.
Private health insurance is one of several coverage options that may be available depending on your health history, location, age, and individual circumstances.
The key is to compare your options before making a decision.
A plan that works perfectly for one person may be completely wrong for another.
If your income is over the subsidy line, you are paying full price for that frustration. See the 2027 limits and compare a private plan using the self-employed guide for your state. For gaps in any plan, supplemental coverage can help.
Ready to Learn More About Private Health Plans?
If you're unhappy with your current Marketplace coverage, it may be worth taking a closer look at what private health insurance options are available to you.
At Posey Health Solutions, we help individuals compare health insurance options and understand the differences between Marketplace and private coverage.
You don't have to guess which type of plan may be right for you. Start by learning what's available and comparing the coverage, costs, networks, and limitations.
Explore your private health insurance options today and see whether there may be a plan that better fits your needs.
This article is for educational purposes only and is not a guarantee of coverage, eligibility, or benefits. Private health plans vary by state, carrier, and individual circumstances. Always review the plan documents, exclusions, limitations, and eligibility requirements before enrolling.
Why You Should Consider Private Health Insurance Before Enrolling in a Health Plan
When most people think about health insurance, they immediately think of the Marketplace (ACA) or coverage through an employer. What many people don't realize is that private health insurance may also be an option—and for healthy individuals, it can sometimes provide better value depending on their situation.
If you're self-employed, a small business owner, a contractor, or simply shopping for coverage on your own, it's worth taking a few minutes to explore all of your options before making a decision.
What Is Private Health Insurance?
Private health insurance refers to health plans offered by private insurance companies outside of the federal Marketplace. Depending on eligibility and the plan selected, these policies may offer access to broad provider networks and flexible coverage options.
Not everyone will qualify, but many healthy individuals are surprised to learn they have more choices than they originally thought.
Who Should Look Into Private Health Insurance?
Private health insurance is often worth exploring if you are:
Self-employed
A 1099 contractor or freelancer
A small business owner
Between jobs
Paying the full cost of an ACA plan without significant tax credits
Looking for different coverage options than what's available through your employer
If any of these describe your situation, comparing private options alongside Marketplace plans can help ensure you're making an informed decision.
Potential Benefits
Depending on the policy and your eligibility, private health insurance may offer benefits such as:
Access to large nationwide provider networks
Flexible plan designs
Competitive monthly premiums for qualified applicants
Coverage options designed for individuals and families
Year-round availability in many situations
Every person's circumstances are different, which is why comparing multiple options is so important.
Is Private Health Insurance Right for Everyone?
No.
Private health insurance is not a one-size-fits-all solution. Some individuals may find that an ACA Marketplace plan is the better fit, especially if they qualify for substantial premium tax credits or have specific healthcare needs.
The goal isn't to push one type of plan over another—it's to make sure you understand every option available before enrolling.
Why Compare Before You Decide?
Health insurance is one of the biggest financial decisions many families make each year.
A quick comparison can help answer questions like:
What networks are available?
What are the monthly premiums?
How do deductibles compare?
What out-of-pocket costs should you expect?
Which option best fits your healthcare needs and budget?
Many people only compare Marketplace plans and never realize there may be other options worth considering.
Work With Someone Who Can Help
Shopping for health insurance can feel overwhelming. Having someone explain the differences between available options can make the process much easier.
At Posey Health Solutions, we help individuals, families, and self-employed professionals compare health insurance options based on their unique situation. Our goal is to provide clear information so you can make a confident, informed decision.
Whether private health insurance or an ACA Marketplace plan makes the most sense, understanding your choices is the first step.
Questions to ask before you apply for a private plan
Which pre-existing conditions are excluded, and for how long?
Are prescriptions covered, and how?
Is maternity care included?
Which doctors and hospitals are in the network where you live and travel?
How are renewals and future rate increases handled?
Get the answers in writing before you sign. If a plan leaves a gap you are worried about, supplemental coverage can sometimes fill it.
Private plans usually make the most sense for healthy people whose income is above the subsidy line, which for 2027 is $63,840 for one person and $132,000 for a family of four. See what happens above that line, and check the self-employed guide for your state for what is sold where you live.
Ready to Explore Your Options?
If you're shopping for health insurance, don't assume there's only one path available.
Take the time to compare your options, ask questions, and find coverage that fits both your healthcare needs and your budget.
Contact Posey Health Solutions today to learn more about the health insurance options that may be available to you.
Why More 1099 Workers Are Choosing Private Health Insurance in 2026
Whether you're a contractor, freelancer, consultant, realtor, truck driver, or small business owner, working for yourself comes with freedom—but it also means finding your own health insurance.
Many self-employed Americans automatically assume the Affordable Care Act (ACA) Marketplace is their only option. The truth is, depending on your health, income, and coverage needs, there may be private health insurance options worth exploring.
Why the Marketplace Isn't Always the Best Fit
Marketplace plans can be an excellent solution for people who qualify for substantial premium tax credits. However, if your household income is too high to receive meaningful subsidies, premiums can become expensive—especially for families or individuals looking for lower deductibles and broader provider access.
Many self-employed professionals find themselves paying hundreds of dollars each month while still facing high deductibles before their insurance begins paying for care.
Private Health Insurance May Be an Alternative
For healthy individuals who qualify medically, private health insurance can sometimes offer:
Lower monthly premiums
Access to nationwide PPO provider networks
Lower deductibles on certain plans
Flexible coverage options
Coverage designed around your healthcare needs
Eligibility depends on factors such as age, state availability, and medical history, so not everyone will qualify. That's why comparing your options is important before enrolling in any plan.
Who Should Consider Comparing Options?
Private health insurance may be worth looking into if you are:
Self-employed
A 1099 contractor
A freelancer or consultant
A small business owner
Between jobs
Paying full price for Marketplace coverage
Generally healthy and looking for different coverage options
Every situation is different, which is why reviewing multiple plans can help you determine which coverage best fits your needs and budget.
Don't Assume You're Stuck Paying More
Health insurance isn't one-size-fits-all. Many people renew the same plan every year without realizing new options may have become available.
Taking a few minutes to compare plans could help you better understand what's available based on your individual circumstances.
What 1099 income means for your premium
Marketplace subsidies are based on the net income you expect for the whole year, not on last year's tax return. For contractors, that estimate is the tricky part. If you take an advance tax credit and your income ends up over 400% of the poverty level, you repay all of it when you file, and for tax years after 2025 there is no repayment cap.
For 2027 the cutoff is $63,840 for a single person and $132,000 for a family of four. Here is what happens when you cross it. Above that line you pay the full Marketplace price, which is exactly when a medically underwritten private plan tends to look better for healthy contractors.
Most self-employed people can also deduct their premiums, which lowers the income that counts toward a subsidy. My guide for 1099 workers and independent contractors covers the deduction and income estimates in more detail, and each state has its own rules, so check the self-employed guide for your state.
Let Posey Health Solutions Help
At Posey Health Solutions, we help individuals, families, and self-employed professionals explore their health insurance options and understand the differences between available plans.
Our goal is to provide straightforward guidance so you can make an informed decision about your coverage.
If you'd like to review your current plan or compare available options, we're here to help.
Ready to explore your options?
Contact Posey Health Solutions today for a personalized health insurance review and see what coverage may be available based on your unique situation.
Private Health Insurance vs. ACA Marketplace: Which Option Is Right for You?
If you're self-employed, own a small business, work as a 1099 contractor, or recently lost employer-sponsored coverage, you've probably wondered whether an ACA Marketplace plan is your only option.
The good news is—it isn't.
Many healthy individuals qualify for private health insurance plans that can offer lower monthly premiums, access to nationwide PPO networks, and flexible coverage options.
Here's what you should know before enrolling.
What Is Private Health Insurance?
Private health insurance refers to plans offered outside of the Affordable Care Act (ACA) Marketplace. Unlike Marketplace plans, many private plans use medical underwriting, meaning eligibility is based on your current health and medical history.
Because these plans are designed for healthier individuals, they can often provide:
Lower monthly premiums
Nationwide PPO provider access
Flexible deductible options
Coverage that fits your budget and lifestyle
Year-round enrollment for many eligible applicants
Who May Benefit Most?
Private health insurance may be a great fit if you are:
Self-employed
A freelancer or independent contractor
A 1099 worker
A small business owner
Between jobs
Recently aged off a parent's health plan
Healthy and looking for alternatives to Marketplace coverage
When an ACA Marketplace Plan May Make More Sense
Marketplace plans remain an excellent option for many Americans, especially if they qualify for premium tax credits based on household income.
An ACA Marketplace plan may be the better choice if:
You qualify for significant premium subsidies.
You have certain ongoing medical conditions that make guaranteed issue coverage important.
You don't qualify for medically underwritten private coverage.
Every situation is unique, which is why comparing both options is important before making a decision.
Common Misconceptions About Private Health Insurance
"Private insurance doesn't cover major medical."
Many private plans do provide comprehensive medical coverage for eligible individuals. However, benefits, provider networks, and eligibility vary by carrier and plan.
"Marketplace is my only option."
Many people assume this because it's the most advertised option. Depending on your health and circumstances, you may have additional coverage choices available.
"Cheaper means worse."
Not always. Lower premiums often reflect medical underwriting rather than reduced quality. For healthy applicants, private plans can sometimes provide strong value.
How to Choose the Right Plan
Before enrolling, consider:
Your monthly budget
Preferred doctors and hospitals
Prescription needs
Expected healthcare usage
Whether you qualify for Marketplace tax credits
Whether you're eligible for medically underwritten private coverage
Comparing your options can help you avoid paying more than necessary while finding coverage that fits your needs.
Side by side: the trade-offs that matter
Acceptance. Marketplace plans must accept you. Private plans ask health questions and can decline you.
Pre-existing conditions. Covered on the Marketplace. Often excluded or limited on private plans.
Price for healthy people. Private plans are often lower, especially without a subsidy.
Enrollment timing. The Marketplace needs Open Enrollment or a qualifying event. Private plans accept applications any month.
Subsidies. Only Marketplace plans come with a tax credit, and only up to 400% of the poverty level.
How the 2027 rules tilt the decision
With the subsidy cliff back, for 2027 at $63,840 for one person and $132,000 for a family of four, more households are comparing a full-price Marketplace plan with private coverage. See the 2027 limits. Carrier lineups and state rules vary, so check your state guide or the self-employed guide for your state.
We're Here to Help
At Posey Health Solutions, we help individuals, families, self-employed professionals, and small business owners compare available health insurance options. Our goal is to educate you on what's available so you can make an informed decision based on your personal situation.
If you'd like to see what plans you may qualify for, we're happy to answer your questions and walk you through your options with no obligation.
Looking for Health Insurance in Florida or Across the U.S.?
Whether you're self-employed, a contractor, or simply exploring alternatives to ACA Marketplace coverage, Posey Health Solutions can help you compare available options and determine what best fits your needs.
5 Signs You're Paying Too Much for Health Insurance in 2026
Health insurance is one of the biggest monthly expenses for many individuals and families. Unfortunately, many people renew the same plan year after year without realizing there may be better options available.
If you're healthy, self-employed, own a small business, work as a contractor, or simply don't receive health insurance through an employer, it's worth reviewing your coverage regularly. Here are five signs you could be paying more than necessary.
1. Your Premium Increases Every Year
Many people accept annual premium increases as unavoidable. While healthcare costs do change, that doesn't always mean your current plan remains your best option.
New plans become available every year, and depending on your health, age, and location, you may qualify for coverage with lower monthly premiums while maintaining strong benefits.
2. You're Healthy but Have a High Premium
If you rarely visit the doctor, take few or no prescription medications, and have no major medical conditions, you may not need to pay the same premium as someone with ongoing healthcare needs.
Many healthy individuals don't realize there are private health insurance options designed specifically for people who qualify through medical underwriting.
3. You Haven't Compared Plans in More Than a Year
Health insurance isn't something you should set and forget.
Carrier pricing, provider networks, and available plan options change frequently. Spending a few minutes reviewing your options each year could potentially save hundreds—or even thousands—of dollars annually.
4. You're Paying for Benefits You Rarely Use
Every health plan is different. Some include benefits that sound appealing but may never actually be used.
Choosing coverage that better matches your lifestyle and healthcare needs can often provide better overall value.
5. You're Only Looking at One Type of Coverage
Many people assume the Health Insurance Marketplace is their only option.
Depending on your situation, there may be other health insurance solutions available that offer different pricing, provider access, and plan designs. The right choice depends on your health, budget, and personal needs.
A sixth sign: your income crossed the subsidy line
This one catches a lot of people off guard. Since the enhanced subsidies ended, there is a hard cutoff at 400% of the poverty level. For 2027 that is $63,840 for a single person and $132,000 for a family of four. Earn a dollar more and your tax credit drops to zero, so the same plan can suddenly cost hundreds more a month. See the 2027 limits and your options.
What to do if any of these signs sound familiar
Price your current plan at full cost, without any subsidy, so you know the real number.
Compare it with medically underwritten private plans if you are reasonably healthy. My self-employed guides explain what is available state by state.
Check what is changing in your state for 2027 in your state guide, since several carriers are leaving and rates are rising.
The Bottom Line
The best health insurance plan isn't always the one with the lowest premium—and it isn't always the most expensive, either. The goal is finding coverage that fits your needs while avoiding unnecessary costs.
If it's been a while since you've reviewed your health insurance, now is a great time to compare your options. A quick review could reveal opportunities to reduce your monthly premium, improve your benefits, or both.
At Posey Health Solutions, we help individuals, families, self-employed professionals, contractors, and small business owners compare health insurance options based on their unique situation. Our goal is to help you understand what's available so you can make an informed decision with confidence.
Ready to see if you're overpaying? Contact Posey Health Solutions today for a complimentary health insurance review and personalized comparison.
Are You Paying Too Much for Health Insurance? Here's How to Find Out
Health insurance is one of the biggest monthly expenses for many individuals and families—but surprisingly, many people never review their coverage after they enroll. If you've had the same plan for a year or more, you could be paying more than necessary or missing out on coverage that better fits your needs.
At Posey Health Solutions, we believe choosing health insurance shouldn't be confusing. Whether you're self-employed, own a small business, work as an independent contractor, or simply want to explore your options, taking a few minutes to compare plans could make a meaningful difference.
Why It Pays to Review Your Coverage
Your health insurance needs can change over time. A plan that made sense last year may not be the best fit today.
It's worth reviewing your coverage if:
Your monthly premium has increased.
You've changed jobs or become self-employed.
Your doctors or prescriptions have changed.
You rarely use your health insurance.
You simply haven't compared plans in a while.
Many people assume switching plans is complicated or that better options don't exist. In reality, reviewing your coverage is often easier than expected.
What Should You Compare?
Price is important, but it's only one part of the equation. When comparing health insurance, consider:
Monthly premium
Deductible
Maximum out-of-pocket costs
Provider network
Prescription drug coverage
Specialist access
Benefits that matter most to your lifestyle
The goal isn't always to find the cheapest plan—it's to find the plan that provides the best overall value.
Private Health Insurance May Be an Option
Depending on your situation, some individuals may qualify for private health insurance options outside of the Marketplace. These plans aren't the right fit for everyone, but they can be worth exploring for eligible applicants.
Private plans may offer features such as:
Access to broad PPO provider networks
Competitive monthly premiums for eligible applicants
Flexible coverage options
Year-round enrollment opportunities in certain situations
Eligibility and available benefits vary based on several factors, so it's important to review your individual circumstances with a licensed advisor.
Who Can Benefit From a Coverage Review?
A health insurance review can be especially valuable if you are:
Self-employed
A 1099 contractor or freelancer
A small business owner
Between jobs
Looking for alternatives to your current coverage
Healthy and wondering whether you're paying more than necessary
Even if you decide to keep your current plan, you'll have the confidence of knowing you've explored your options.
We're Here to Help
At Posey Health Solutions, our goal is simple: help you understand your choices so you can make an informed decision about your health coverage.
There's no pressure and no obligation—just straightforward guidance based on your needs.
If you're ready to see whether your current health insurance is still the best fit, we'd be happy to help you compare your options.
Run the numbers in three steps
Estimate your 2027 household income. If it is over $63,840 for one person or $132,000 for a family of four, you get no Marketplace tax credit. See how the subsidy cliff works.
Price the full-price Marketplace plan and a private plan side by side. For healthy applicants, a medically underwritten plan is often cheaper. The self-employed guides explain what is sold in each state.
Look at your deductible. If a big bill would hurt, an accident or critical-illness plan can be a cheaper fix than a richer main policy. Learn how supplemental plans work.
If you would rather not do the math yourself, send me your ZIP code and a rough income estimate and I will do the comparing for you, at no cost.
Ready to Get Started?
Contact Posey Health Solutions today to schedule a complimentary coverage review. A quick conversation could help you better understand your options and determine whether your current plan still meets your needs.
Lost Your Employer Health Insurance? Here's What to Do Next
Losing your employer-sponsored health insurance can feel overwhelming, but you have more options than you might think.
Whether you've changed jobs, started your own business, retired early, or your employer no longer offers benefits, it's important to understand your choices before enrolling in the first plan you find.
Making the right decision now could save you money while ensuring you have the coverage you need.
Step 1: Understand Your Coverage Deadline
Losing employer-sponsored health insurance typically qualifies you for a Special Enrollment Period (SEP). This means you don't have to wait until Open Enrollment to choose new coverage.
However, these enrollment windows are time-sensitive, so it's important to begin comparing options as soon as you know your current coverage is ending.
Step 2: Compare All of Your Options
Many people assume COBRA is their only choice, but that's often not the case.
Depending on your situation, you may be able to choose from:
COBRA continuation coverage
Marketplace (ACA) health insurance plans
Private individual health insurance
Short-term coverage (where available)
Each option has its own advantages, costs, and eligibility requirements. The best choice depends on your health, budget, and how long you'll need coverage.
Step 3: Consider More Than Just the Monthly Premium
The lowest monthly premium isn't always the most affordable plan.
Before enrolling, compare:
Deductibles
Out-of-pocket maximums
Copays
Provider networks
Prescription drug coverage
A plan with a slightly higher premium may actually save you money over the course of the year if it offers better benefits.
Could Private Health Insurance Be a Better Fit?
For many healthy individuals and families, private health insurance can provide an alternative worth exploring.
Depending on eligibility, these plans may offer:
Competitive monthly premiums
Access to nationwide PPO networks
Flexible coverage options
Lower overall healthcare costs compared to some alternatives
Not everyone qualifies, but it's worth comparing your options before making a decision.
Common Mistakes to Avoid
When replacing employer coverage, avoid these common pitfalls:
Automatically enrolling in COBRA without comparing alternatives.
Choosing a plan based only on the monthly premium.
Waiting too long and missing your enrollment deadline.
Assuming your previous doctors won't be available on a new plan without checking.
Taking a little extra time to compare plans can prevent expensive surprises later.
Need Help Comparing Your Options?
At Posey Health Solutions, we help individuals and families review available health insurance options based on their unique needs.
We'll explain your choices, compare available plans, and help you understand the differences—without any pressure or obligation.
If you've recently lost employer coverage or expect to lose it soon, now is the perfect time to review your options and find a plan that fits both your healthcare needs and your budget.
COBRA, Marketplace or private: a quick comparison
COBRA keeps your exact plan and doctors, but you usually pay the full premium plus an administrative fee.
Marketplace plans accept everyone and may come with a tax credit if your household income is at or under 400% of the poverty level.
Private medically underwritten plans can cost less for healthy people, especially if your income is above the subsidy line, and you can apply any month.
My COBRA vs. Marketplace vs. Private calculator lets you plug in your own numbers and see all three side by side.
If you are starting your own business
Many people lose employer coverage because they are going out on their own. If that is you, read my guide to health insurance for 1099 workers and independent contractors, and if you will have employees, see the options for small business owners, including ICHRA and QSEHRA.
Final Thoughts
Changing health insurance doesn't have to be stressful.
The key is understanding all of your available options before making a decision. By comparing plans carefully, you can find coverage that protects your health while helping you avoid paying more than necessary.
Why Healthy Individuals Are Overpaying for Health Insurance in 2026
Many Americans assume that health insurance is expensive because that's simply the way it is. However, for healthy individuals, business owners, contractors, and self-employed professionals, that isn't always true.
In 2026, many people are paying hundreds of dollars more each month than necessary because they aren't aware of all the health insurance options available to them.
The Hidden Cost of One-Size-Fits-All Coverage
Traditional Marketplace health plans are designed to accept everyone regardless of health history. While that can be beneficial for some individuals, it often means healthy people are paying premiums that help offset the cost of higher-risk members within the pool.
For many healthy applicants, there may be private health insurance options available that offer:
Lower monthly premiums
Access to nationwide PPO networks
Flexible plan designs
Competitive deductibles
Coverage while traveling across state lines
The result? Many qualified individuals can potentially save money while maintaining access to quality healthcare providers.
Who May Benefit from Private Health Insurance?
Private health insurance plans are often worth exploring if you are:
Self-employed
A small business owner
An independent contractor
A 1099 worker
A freelancer
Someone who travels frequently for work
An individual without major ongoing health conditions
Every situation is unique, but many healthy applicants are surprised to learn they have options beyond the traditional Marketplace.
PPO Networks Matter
One of the biggest frustrations consumers have is discovering their doctor isn't in-network after enrolling in a plan.
Many private plans offer access to large PPO networks, giving members more flexibility when choosing healthcare providers. This can be especially valuable for people who travel, live in multiple states throughout the year, or simply want broader provider access.
Don't Assume Your Current Plan Is Your Best Option
Many people renew the same health insurance plan year after year without reviewing alternative options. Healthcare costs change, networks change, and new plan designs become available.
Taking a few minutes to compare your options could potentially result in:
Lower premiums
Better provider access
More predictable healthcare costs
Coverage that better fits your lifestyle
Why overpaying got worse in 2026 and 2027
From 2021 through 2025, enhanced subsidies smoothed out the price of Marketplace coverage for higher earners. Those expired at the end of 2025. Now a household just over 400% of the poverty level gets no tax credit at all: for 2027 that is $63,840 for one person and $132,000 for a family of four. See the full 2027 limits.
That is where healthy people most often overpay. A Marketplace plan has to accept everyone at the same price for their age and area, so healthy buyers are effectively paying for guaranteed acceptance they may not need. A medically underwritten private plan prices your actual health, which can mean a noticeably lower premium if you are approved.
It is not the right answer for everyone. If you have ongoing conditions, take expensive prescriptions or are planning a pregnancy, the Marketplace's protections are worth paying for. If you want extra protection against a high deductible, supplemental coverage can help. For state-by-state details, start with the self-employed guides.
Final Thoughts
Health insurance is not one-size-fits-all. If you're healthy, self-employed, or paying more than you'd like for coverage, it may be worth exploring whether a private health insurance plan could better meet your needs.
At Posey Health Solutions, we help individuals and families understand their options and compare plans available in their area. Our goal is simple: help you find coverage that fits both your healthcare needs and your budget.
Ready to review your options? Contact Posey Health Solutions today for a personalized health insurance consultation.
What Are Your Health Insurance Options If You Don't Have Coverage Through Work?
Millions of Americans receive health insurance through their employers, but what happens if you are self-employed, between jobs, retiring early, or working for a company that does not offer benefits? Understanding your health insurance options can help you find affordable coverage that protects both your health and your finances.
Can You Get Health Insurance Without an Employer?
Yes. Many people are surprised to learn that employer-sponsored health insurance is not the only option available. If you do not have access to group coverage through work, there are several health insurance solutions worth exploring.
Private health insurance plans are available for individuals and families who need coverage outside of an employer's benefits package. Depending on your eligibility and situation, these plans may offer comprehensive coverage, access to large provider networks, and competitive monthly premiums.
Who Should Consider Private Health Insurance?
Private health insurance may be a good option for:
• Self-employed individuals
• Small business owners
• Independent contractors
• Freelancers
• Gig workers
• Early retirees
• Individuals between jobs
• Families losing employer-sponsored coverage
As the workforce continues to evolve, more Americans are seeking flexible health insurance options that are not tied to a traditional employer.
Benefits of Private Health Insurance Plans
When comparing health insurance plans, it is important to understand the advantages that private coverage may offer.
Flexibility
Many private health insurance plans allow you to choose coverage that fits your specific needs and budget.
Provider Access
Depending on the plan selected, you may have access to extensive doctor and hospital networks across the country.
Financial Protection
Health insurance helps reduce the financial burden of unexpected medical expenses, emergency room visits, surgeries, and ongoing healthcare needs.
Customizable Coverage
Private plans often provide multiple deductible and coverage options, allowing you to select a plan that aligns with your healthcare usage.
How Much Does Private Health Insurance Cost?
One of the most common questions people ask is, "How much does private health insurance cost?"
The answer depends on several factors, including:
• Age
• Location
• Household size
• Coverage level
• Health history
• Network preferences
Because every situation is unique, comparing multiple health insurance options is often the best way to find affordable coverage.
When Can You Enroll in Health Insurance?
Many people believe they must wait for Open Enrollment to get coverage. However, qualifying life events may create a Special Enrollment Period.
Examples include:
• Losing health coverage
• Getting married
• Having a baby
• Moving to a new coverage area
• Changes in household status
Understanding your eligibility can help you avoid gaps in coverage.
If you are self-employed or run a business
No coverage through work often means you are the employer. Self-employed people can usually deduct their health insurance premiums, which also lowers the income that counts toward a Marketplace subsidy. My guide to health insurance for 1099 workers and contractors explains how that works with a variable income.
If you have employees, you have more choices than a traditional group plan. An ICHRA lets a business of any size reimburse employees for individual coverage, and a QSEHRA lets smaller employers reimburse up to $6,450 a year for self-only coverage and $13,100 for family coverage in 2026. See health insurance for small business owners for how each option works.
State rules and carriers differ, so the self-employed guide for your state is a good next stop.
Finding the Right Health Insurance Plan
Choosing a health insurance plan is one of the most important financial decisions you can make. The right plan should balance monthly costs, coverage benefits, provider access, and protection against unexpected medical expenses.
At Posey Health Solutions, we help individuals, families, and self-employed professionals navigate their health insurance options with confidence. Whether you're looking for private health insurance, exploring alternatives to employer coverage, or simply want to compare plans, we're here to help.
Contact Posey Health Solutions today for a free consultation and personalized health insurance guidance.
Why Summer Is the Perfect Time to Review Your Health Insurance
Summer is a season of change for many families and individuals. School is out, vacations are planned, people are changing jobs, and many are taking time to reset their goals for the rest of the year. What most people do not realize is that summer is also one of the best times to review your health insurance coverage.
Many Americans simply allow their current plan to renew year after year without checking whether it still fits their needs. Unfortunately, that can lead to higher costs, limited coverage, and frustration when medical care is actually needed.
Why Your Current Plan May Not Be Working for You
Health insurance needs can change quickly. Maybe you recently became self employed, started contract work, lost employer coverage, or added new members to your household. Even if nothing major has changed, your current plan may still have:
• High deductibles
• Expensive monthly premiums
• Limited doctor networks
• Coverage gaps
• Rising out of pocket costs
A lot of people assume all health insurance plans are basically the same, but that is not true. Private underwritten health insurance can often provide stronger coverage and lower monthly costs for qualified individuals and families.
The Benefits of Private Health Insurance
Private health insurance plans are designed differently than many marketplace plans. For those who qualify, they can offer:
• Lower monthly premiums
• Lower deductibles
• Nationwide PPO networks
• Better overall coverage
• More flexibility with doctors and specialists
This can be especially beneficial for self employed individuals, 1099 workers, small business owners, and healthy families looking for more affordable options.
Summer Is a Great Time to Explore Your Options
Many people wait until Open Enrollment to think about health insurance, but there are opportunities available throughout the year depending on your situation. If you have experienced certain life events or are looking into private coverage options, summer can be the perfect time to compare plans before the busy fall season begins.
Taking a few minutes now to review your coverage could potentially save you money while improving your benefits at the same time.
Your summer health insurance review checklist
Compare your income to the 2027 subsidy line. It is $63,840 for one person and $132,000 for a family of four. Here is what happens if you are over it.
Confirm your doctors are still in network. Several carriers are leaving state Marketplaces for 2027, so your plan may not be available next year.
Look at your deductible honestly. If you could not cover it tomorrow, consider an accident or critical-illness plan. How supplemental coverage works.
Mark the dates. Open Enrollment on HealthCare.gov runs November 1, 2026 to January 15, 2027, and you need to enroll by December 15 for coverage starting January 1. State-run exchanges may differ.
Every state is different, so check your state guide for carriers, rules and what is changing where you live.
Don’t Wait Until You Need Coverage
One of the biggest mistakes people make is waiting until they have a major medical expense before reviewing their health insurance. By then, options can be more limited and costs can add up quickly.
Having the right coverage in place before you need it provides peace of mind and financial protection for you and your family.
At Posey Health Solutions, we help individuals, families, and self employed workers explore private health insurance options that fit their needs and budget. If you are unsure whether your current plan is still the best fit, now is a great time to review your options and see what is available.