Missed Open Enrollment? Try a Private Health Plan Year-Round
You Can Sign Up for Private Health Plans Any Time of the Year
Many people think they can only get health insurance during Open Enrollment. But if you missed that window, you’re not out of luck—especially if you’re self-employed or need flexible coverage.
The truth is, private health plans are available year-round. Whether you’re a freelancer, between jobs, or simply want more control over your healthcare, these plans can provide coverage when you need it most.
Most People Think They Have to Wait – But That’s Not True
Open Enrollment (typically November through January) applies only to ACA Marketplace plans. But private health plans don’t follow that schedule.
Many people believe they can only sign up during Open Enrollment (November–January), but that only applies to government-run ACA plans.
Private health plans offer year-round enrollment, so you don’t have to wait.
In fact, in 2024, more than 15 million Americans missed the Open Enrollment deadline and were left uninsured. That’s a huge number of people who could have protected themselves with a private plan if they had known about this option. 1
What Are Private Health Plans?
Private health plans are insurance policies offered outside of Healthcare.gov or state exchanges. You can access them:
Through a licensed insurance agent
From an affordable health insurance agency
Directly from private insurers
These plans are often more customizable, offering coverage for routine healthcare, prescriptions, urgent care, ER visits, hospital stays, and more—with optional add-ons like dental, vision, and virtual care.
Why Choose a Private Health Plan?
Private plans give you the power to:
Skip the wait—enroll any time of year
Customize your coverage to fit your lifestyle
Include extras like telehealth, bill help, dental, and vision
Avoid penalties or gaps in coverage
Did you know? Nearly 10% of the U.S. workforce is self-employed, and 36% work independently as freelancers or gig workers. Flexible coverage is more important than ever. 2
Who Benefits Most from Private Health Plans?
Private plans are ideal for:
Those who missed Open Enrollment
Self-employed individuals and freelancers
People between jobs or transitioning coverage
Students, part-time workers, and early retirees
And more…
In short: if your life doesn’t fit a traditional 9–5, these plans likely do.
How to Sign Up Anytime with an Affordable Health Insurance Agency
Getting started is easy:
Talk to a licensed agent who specializes in private plans
Compare plans based on your budget and healthcare needs
Enroll —some plans start the same day!
Working with a trusted agency helps you avoid scams and ensures you understand exactly what’s covered.
FAQs About Private Health Plans
Can I legally enroll outside Open Enrollment?
Yes! Private health plans are available all year and aren’t tied to ACA deadlines.
Are private plans more expensive?
Not necessarily. If you don’t qualify for ACA subsidies, private plans can actually be more affordable—especially for healthy individuals.
Do they cover doctor visits and prescriptions?
Most do—but coverage varies. Always review plan details with a licensed agent.
Can I cancel or switch later?
Yes. Many plans offer month-to-month flexibility with no long-term contracts..
Final Thoughts – Get Covered Now, Not Later
Waiting for Open Enrollment is a thing of the past. With private health plans, you can:
Sign up any time
Get coverage that fits your life and budget
Work with an affordable health insurance agency for expert guidance
If you're ready to protect your health and your wallet, now’s the time to explore your options. Contact our team to find a plan that works for you—today. Contact us to get a free quote today!
