Private Health Insurance Plans

Direct insurance options for self-employed individuals, contractors, and anyone seeking flexible coverage outside the Marketplace. We help you find the right plan for your needs.

Why Choose Private Plans?

Flexible coverage options designed for self-employed individuals and those seeking direct insurance.

Self-Employed Coverage

Perfect for freelancers, contractors, and business owners.

Flexible Networks

Choose from various carrier networks and coverage levels.

Direct Purchase

Buy directly from carriers with expert broker guidance.

Family Options

Comprehensive coverage for individuals and families.

ACA Compliant

Plans comply with Affordable Care Act regulations.

Expert Guidance

Licensed brokers help you navigate options and enrollment.

Individual Coverage

If you are self-employed, our private insurance plans offer you all the coverage you need to manage your medical expenses, often with low monthly premiums. We work with carriers who comply with CMS regulations to ensure quality coverage.

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Family Coverage

Protect your entire family with comprehensive private health insurance. We offer plans from top-rated carriers with flexible networks. Learn about your rights under the Affordable Care Act.

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Local private plans in Our Core Counties

We focus on the communities we know best — find private plans guidance in your county.

Frequently Asked Questions

Where can self-employed Texans get private coverage near me?

We serve self-employed individuals and small businesses across Bexar, Williamson, Travis, Comal, Guadalupe, and Hays counties with direct-carrier private plans. Visit your county page to see locally relevant options.

Who are private health insurance plans for?

Private health insurance plans are ideal for self-employed individuals, contractors, freelancers, and anyone who doesn't have access to employer-sponsored group coverage. They offer flexible options with various coverage levels.

Are private plans different from Marketplace plans?

Yes, private plans are purchased directly from insurance carriers or through brokers, while Marketplace plans are ACA-compliant plans available through the government exchange. Private plans may offer different networks, benefits, and pricing structures.

Can I get private insurance if I have a pre-existing condition?

Under the ACA, private insurance plans cannot deny coverage or charge higher rates based on pre-existing conditions. However, some grandfathered plans may have different rules. Our agents can help you find the best option for your situation.

Self-Employed? We Can Help

Contact us to discuss your private health insurance options.