If you live in New York (NY), New Jersey (NJ), Florida (FL), Pennsylvania (PA), or Connecticut (CT) and feel like you’re paying way too much for health insurance—or aren’t seeing value in your current coverage—it might be time to explore private health insurance. But what is private health insurance, and how does it differ from plans like Obamacare?

At Planman Insurance, Bruce Weinstein and Robyn Weinstein work with individuals and families to break down these exact questions. Here’s what you need to know.

What Is Private Health Insurance?

Private health insurance refers to health plans that are not sold through the government’s Health Insurance Marketplace (ACA/Obamacare). These plans are available year-round and often offer lower premiums—especially for healthy individuals who don’t qualify for federal subsidies.

Think of private insurance as a premium option designed for people who don’t have pre-existing conditions and don’t qualify for ACA discounts due to higher income levels. Clients across FL, NJ, PA, NY, and CT have reported saving 30–50% by switching to private coverage.

Pros of Private Health Insurance

✅ Lower Monthly Premiums
Many clients in New York and Connecticut have saved thousands annually by switching from expensive ACA or COBRA plans to private health insurance.

✅ Year-Round Enrollment
Unlike ACA plans, which require you to wait for open enrollment, private plans are available 365 days a year.

✅ PPO Networks and National Access
Private plans often include PPO coverage, giving you national access to providers without requiring referrals—ideal for snowbirds or families with children in out-of-state colleges (common in Florida, New Jersey, and Pennsylvania).

✅ HSA Compatibility
Some private plans offer Health Savings Account (HSA) options, which allow you to pay for medical expenses with pre-tax dollars and even invest those funds for future growth.

Cons of Private Health Insurance

❌ No Pre-Existing Conditions
Private plans typically require you to pass basic health screenings. If you have significant ongoing medical needs, ACA plans may be a better fit.

Is Private Health Insurance Right for You?

If you're self-employed, make too much for ACA subsidies, and are generally healthy, private health insurance may be a game-changer—especially if you're in high-cost states like NY or NJ. We've helped clients in Westchester, Miami, and Philadelphia cut their premiums in half—sometimes saving over $1,600 a month.

Ready to explore your options?
Call 844-PLANMAN to speak with Bruce or Robyn Weinstein at Planman Insurance. With over 35 years of experience, they’ll guide you through your choices and help you find the plan that’s right for your health and your wallet.