Why people choose private health insurance
- Enroll any time of year — no open-enrollment window.
- National PPO networks such as Cigna PPO and First Health.
- Can cost less than a full-price ACA plan.
- Simple copays and $0 preventive care on plans like Ameristead.
Two kinds of private health insurance plans
- Private plans with a short application. Group-style plans for the self-employed, and short-term plans. Premiums can be lower and networks broader, with year-round enrollment.
Private PPO plans vs. short-term plans
| Feature | Private PPO plan | Short-term plan |
|---|---|---|
| When you can enroll | Year-round | Year-round where sold |
| Networks | National PPO networks, such as the Cigna PPO network on Ameristead plans | Often PPO, including the Cigna PPO network on Allstate short-term medical |
| Best fit | People who want a national PPO network, year-round enrollment and a choice of plan levels | Fast, flexible coverage that can start as soon as the next day |
Private health insurance options: who private plans fit best
- Individuals and families who want a national PPO network and year-round enrollment.
- People who travel or want a national PPO network rather than a local HMO.
- People who missed open enrollment and need coverage now .
How do you apply for private health insurance?
- You complete a short application (and sometimes a phone interview).
- The plan confirms your coverage and price.
- Coverage can start quickly — often the first of the next month or sooner.
Your agent walks you through every question so your application is complete and accurate.
Off-exchange and private health insurance
Off-exchange health insurance usually means private health insurance bought directly from an insurer. If you're shopping for health insurance in Florida, private PPO plans like Ameristead on the Cigna PPO network are what you're looking for.
Compare network types in PPO vs HMO vs EPO.
Talk to a licensed agent today. Call (813) 724-3314 (Monday–Saturday 8 AM–9 PM ET, Sunday closed) or Get your free quote in about a minute. We never charge you a fee for our help.
Frequently asked questions
Is private health insurance better than Obamacare?
For many people, yes. Private plans often cost less than a full-price ACA plan, come with national PPO networks, and can be bought year-round.
Can I buy private health insurance any time of year?
Yes. Private plans are available year-round, so you don't have to wait for open enrollment.
Can I buy health insurance outside the marketplace?
Yes. You can buy private PPO plans directly, year-round, with a short application.
How much does private health insurance cost per month?
Ameristead’s published plan chart (November 2026) lists monthly premiums from $426 for one person on the HSA 8500 plan. Your exact price depends on the plan and coverage level and is confirmed with a quote.
One popular private option is Amerus Summit health plans, available year-round on the Cigna network.
Some private plans include a short application step; here is what a health questionnaire is.
Related guides
Health insurance guides by state
Deadlines, exchanges, average premiums and short-term plan rules differ by state. Popular state guides:
Sources (checked November 4, 2026)
- KFF — Examining Short-Term Limited-Duration Health Plans
- Ameristead Health — Plans (network and administrator)
Plan availability and eligibility are determined by the carrier.