When it comes to health insurance, many people’s first thought is the Health Insurance Marketplace, particularly during open enrollment periods. However, the Marketplace isn’t the only option. Private health insurance plans offer unique benefits that might better fit your needs. At The Smith Insurance Group Inc. in Sandy, UT, we understand that finding the right health coverage can be daunting, and we’re here to help you explore all your options.

More Flexibility with Plan Choices

One significant advantage of purchasing private health insurance outside of the Marketplace is the variety of plans available. Marketplace plans are standardized, which can be limiting if you’re looking for something tailored to your specific needs. Private insurers often offer more flexibility in terms of coverage options, networks, and premiums, allowing you to find a plan that truly suits your lifestyle and budget.

No Restrictions on Enrollment Deadlines

While the Marketplace has strict open enrollment deadlines, private health insurance can be purchased at any time of the year. This is particularly beneficial if you miss the enrollment period or experience a life event that doesn’t qualify for a special enrollment period. With private insurance, you don’t have to wait for months to get the coverage you need.

Customized Coverage and Specialized Plans

Private health insurance allows for more customization. Whether you’re self-employed, need coverage for specific medical services, or are looking for broader provider networks, private plans often offer more specialized options.

If you’re exploring health insurance options, The Smith Insurance Group Inc. in Sandy, UT, is here to guide you. Contact us today to learn more about private health insurance and how it can provide the coverage you need without the constraints of the Marketplace.