Private coverage · open year-round
Explore Non-ACA Plan Options
You do not have to wait for Open Enrollment. Private, off-marketplace plans can be reviewed any day of the year — nationwide.
What “non-ACA” actually means
Non-ACA (private) coverage is sold off the Health Insurance Marketplace. It is a different product family from an Obamacare plan — different rules, different enrollment calendar, often a different price. We put the options side by side so you can see which one actually fits.
Major medical for 1099 & self-employed
Fuller private medical plans built for gig workers and independent contractors — often with PPO or EPO networks, copays, and an out-of-pocket max.
HSA-eligible private plans
High-deductible options that can pair with a Health Savings Account when the plan and the IRS rules both fit.
Fixed indemnity & limited-benefit
Plans that pay a set amount per visit, day, or service. Lower premium, more predictable cash benefits — not the same as major medical.
Short-term medical
A defined window of coverage when you are between jobs, waiting on a group plan, or need a bridge. Duration and renewability vary by state.
Hospital indemnity & gap
Cash benefits for hospital stays or help with deductibles and coinsurance that a primary plan leaves behind.
Accident & critical illness
Supplemental policies that pay a lump sum or per-incident benefit when something specific happens. They sit alongside medical coverage, not instead of it.
A non-ACA plan may fit if
- You missed Open Enrollment and do not have a qualifying life event
- You are self-employed, 1099, or between jobs
- You need coverage that can start this month, not next January
- You want to compare private major medical next to a marketplace plan
If you qualify for a marketplace subsidy, an ACA plan can still be the better first look. We will say so.
Read this first
These are not marketplace plans
- These are not ACA marketplace plans and may not meet Minimum Essential Coverage.
- Pre-existing conditions can be excluded, waiting-perioded, or underwritten.
- Some plans have annual or lifetime maximums. Essential-health-benefit rules do not always apply.
- Networks, premiums, and what can be written still depend on your ZIP, age, and state rules.