If you're living in New York (NY), New Jersey (NJ), Florida (FL), Pennsylvania (PA), or Connecticut (CT) and feeling frustrated with high health insurance premiums—or if you’ve discovered you don’t qualify for subsidies through the Affordable Care Act (ACA)—you may be asking: Can I buy private health insurance instead? And more importantly: Can I buy it any time?

At Planman Insurance, Bruce Weinstein and Robyn Weinstein have been helping individuals and families for over 35 years navigate both public and private health insurance options—and here’s what you need to know.

What Is Private Health Insurance?

Private health insurance is an alternative to ACA (or “Obamacare”) coverage. It’s ideal for healthy individuals who don’t qualify for ACA subsidies and want to avoid overpaying for coverage they rarely use. Think of it like an exclusive membership—no pre-existing conditions allowed, but in return, you get lower monthly premiums and flexibility in how you use your plan.

If you live in states like Florida or New Jersey, where premiums can run high, private health insurance may save you 30–50% compared to traditional ACA plans. And in areas like New York City, Philadelphia, or Hartford, where COBRA premiums can be sky-high, private coverage is often a far more affordable solution.

Can I Buy Private Health Insurance at Any Time?

Yes. One of the biggest advantages of private health insurance is that you’re not restricted by open enrollment periods. Unlike ACA plans—which can only be enrolled in during specific windows (usually starting November 1st or during Special Enrollment Periods such as life changes or getting married)—private plans are available year-round. You could apply today and be covered as early as tomorrow.

This is a game-changer for individuals who have:

• Recently lost job-based coverage

• Declined COBRA due to cost

• Moved to a new state like FL, CT, or PA

• A higher income that disqualifies them from ACA subsidies

• No ongoing medical conditions

Why Work With Planman Insurance?

Bruce and Robyn Weinstein at Planman Insurance don’t just quote policies—they educate, advise, and guide you every step of the way. From comparing private vs. marketplace options to understanding your exposure, they simplify a complex process and help you make an informed decision based on your budget and health needs.

Ready to explore private health insurance?
Call 844-PLANMAN and speak to Bruce or Robyn today. Whether you’re in Tampa, Trenton, Brooklyn, or Pittsburgh, Planman Insurance is here to help you save smart and stay covered.