Private Health Insurance Plans Built Around You
Skip the marketplace guesswork. Get matched with a private PPO or HMO plan from a top-rated carrier — picked for your health needs and your budget, not a sales quota.
What Counts as Private Health Insurance?
Private health insurance is coverage purchased directly from an insurance carrier or through a licensed broker, outside of the ACA Marketplace. It often opens the door to broader provider networks, PPO-style plans with no referral requirements, and coverage options available year-round — not just during open enrollment.
Frequently Asked Questions
Is private health insurance more expensive than ACA plans?
Not always. Pricing depends on your age, ZIP code, health history, and the plan design you choose. Many clients find a private PPO plan is comparable to or even more cost-effective than an unsubsidized ACA plan, especially for those who don't qualify for subsidies.
Can I get private health insurance any time of year?
Yes — unlike ACA Marketplace plans, many private health insurance products are available for enrollment year-round, without needing a qualifying life event.
Do private plans cover pre-existing conditions?
Coverage details vary by carrier and plan type. We'll walk through your specific health history and match you with carriers and plan types that fit your situation.
How is a broker different from buying directly from a carrier?
As a licensed broker, Zelada Health Insurance shops your situation across multiple carriers at no extra cost to you, so you see real options instead of just one company's pitch.
Ready to See Your Options?
Get a free, no-obligation quote from Andres Zelada — licensed broker, all major carriers, English & Spanish.