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Private & Alternative Health Plans

Private and alternative health insurance options can offer flexible coverage outside of the government Marketplace. This category includes short-term health plans, direct primary care, health sharing ministries, and privately sold ACA-compliant policies. These plans may be appealing for individuals who are self-employed, between jobs, or seeking lower monthly premiums. However, coverage levels, benefits, and protections can vary widely. Learn how these options compare to traditional health insurance, what eligibility requirements may apply, and what to watch out for when considering alternatives.
Use this information to evaluate whether a private or non-traditional plan fits specific healthcare and financial needs.