No. Private and short-term plans work differently from ACA Marketplace plans, including how they treat pre-existing conditions and which benefits they cover. We will walk through the differences before you choose.
Private plans tend to work best for people who do not qualify for Marketplace premium tax credits and who can answer the plan’s health questions. Many carriers review your health history before approving coverage. The exception is Ameristead, which covers pre-existing conditions for enrollees with an EIN. We will help you work out which option fits.
It depends on the carrier. Many private and short-term plans can exclude or decline coverage based on your health history. Ameristead is the exception: it covers pre-existing conditions, but enrollees must have an EIN. Call us and we will match you to the right option.
Any time of year. The private plans we offer allow year-round enrollment, so you do not need to wait for open enrollment or a qualifying life event. Start dates and availability vary by carrier and state, so call us and we will check what is available for you.
It depends on your health needs, budget and timing. ACA plans cover pre-existing conditions and may qualify for income-based savings. Private plans can offer flexibility, with limits. We will compare both with you.
No. Getting a quote and talking through your options with a licensed independent agent is free.
It depends on the plan and its network. Tell us which doctors matter to you and we will check before you enroll.
Important information. Private health plans on this page may not be ACA-compliant, and some may limit or exclude coverage for pre-existing conditions. Ameristead is available only to enrollees with an EIN. Plan benefits, rates, networks, eligibility and availability vary by carrier and state and are subject to change. This page is general information only. It is not a policy or an offer of insurance, and the carrier’s plan documents control. Martindale Insurance Services LLC is an independent agency, not the insurer.
