Health plans Private Health Coverage Tailored to your Situation
If you do not have health insurance through an employer, in the united States there are plans, private medical which you can purchase directly. In All Insurance, find the appropriate option depending on your situation: u.s. citizens, legal residents, visa holders, own-account workers and people with different status of migration. Our advice is completely free and fully bilingual.
What is a plan private health and who needs it?
A plan private health is a health insurance policy purchased directly from an insurance company, outside of the government programs such as Medicaid or Medicare, and, in many cases, outside of the Insurance Market of the ACA (Obamacare). Covers essential medical services —doctor visits, hospitalization, prescriptions, emergency care, and more— in exchange for a monthly premium.
This option is particularly relevant for people who do not receive coverage through an employer: self-employed (freelancers), business owners, people between jobs, those who do not qualify for subsidies on the ACA and those who are looking for an alternative outside of the public system. In many cases, the private plans do not require a Social Security number nor a legal immigration status for your purchase.
Featured: The plans of the Market of the ACA (Obamacare) are private, but are subject to the federal rules of the ACA and enrollment periods-specific. The private plans out of the Market offer more flexibility about when and how you can buy, but do not qualify for federal subsidies.
Who is a health plan private?
There are several situations in which a health plan private may be the best option available:
Own-account workers and freelancers without access to coverage employer.
Small business owners looking for coverage for themselves or their employees.
People in between jobs who lost their coverage and need an immediate solution.
Those who do not qualify for subsidies on the Market of the ACA. due to their income.
People who prefer more flexibility in-network providers that the Market offers.
Those who need coverage outside of the enrollment period open the ACA.
People with different status of migrant looking for options outside of the public system.
What is covered on the plans, private medical?
The specific hedging vary by plan and insurer, but the plans are private health most complete typically include:
Visits to the primary care physician and specialists.
Hospitalization and surgeries.
Urgent care and emergency.
Prescription drugs (varies by plan).
Laboratory tests and imaging.
Preventative care and yearly check-ups.
Mental health services and maternity (in some plans).
Deductibles and premiums vary considerably. Advisor All Insurance compare the options available for your profile at no cost.
Do private plans cover pre-existing conditions?
Depends on the type of plan. The plans of the Market (ACA) are required by law to cover them. The private plans out of the Market may have different rules according to the insurer and the type of coverage. An advisor will verify which options apply to your specific situation before making any recommendation.
What are the health plans for people with different status of migration?
Yes. One of the most frequently asked questions in All Insurance it is if it is possible to obtain a health plan without citizenship or permanent residence. The answer is yes: there are options for various migration scenarios.
Summary by Status:
Citizens and permanent residents: You can access the Market (ACA) with potential grants, and also to private plans outside.
Holders of work visas (H-1B, L-1, etc): In many cases, they are eligible for the Market; they can also opt for private plans.
Beneficiaries of DACA: Are not eligible for the federal Marketplace, but you can buy plans, private medical.
Holders of TPS and other status temporary: The options vary; see case-by-case basis with a counselor.
People without legal status documented: Are not eligible for Marketplace or Medicaid (except for emergency), but they can access health plans private do not require a SSN or legal status.
NOTICE: Eligibility for public programs such as Medicaid changes frequently according to the legislation in force. All Insurance does not provide legal advice immigration — for specific situations, consult an immigration attorney certificate.
How to get a medical plan private: step-by-Step
Tell us about your situation: Give us a call or fill out the form. Tell us if you are self-employed, if you are between jobs or what your immigration status if it is relevant. All information is confidential.
Identify their real options: We evaluate if you qualify for Marketplace (ACA) subsidy or if it should be more of a private plan external. We present only options that really apply to your case.
Compare it with clarity: We explain the coverages, costs and conditions in your language. We will answer your questions without the pressures of selling.
Activate your coverage: Once you have chosen the plan, we guide you in the registration. In most of the private plans, the coverage kicks in quickly, without waiting for registration periods.
Frequently Asked questions about Plans, Private Medical
What is the difference between a health plan and private Obamacare?
Plans of Obamacare are subject to federal rules and enrollment periods, and can qualify for subsidies. The private plans outside offer more flexibility to purchase throughout the year, but do not qualify for government subsidies.
Do I need a Social Security number to get a plan private medical?
Not always. Many private plans accepted other forms of identification, like the ITIN or valid identity documents such as passport or ID to the consular.
Can I get a plan physician at any time of the year?
Yes. Unlike the Market of the ACA, the majority of health plans, private out-of-Market may be purchased at any time of the year.
Are there health plans for people without legal immigration status?
Yes. There are plans private doctors who do not require legal immigration status or Social Security number. In All Insurance we identify those options for you.
What is confidential information that I share with All Insurance?
Totally. All Insurance is a private agency and does not share personal information with any governmental authority. Your privacy is our priority.
Are you looking for a health plan that fits your situation?
Our consultants review your case at no cost and in their own language.
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