Total Cost
Monthly premium alongside deductible, copays, and out-of-pocket maximum, so you see what you’d really pay in a typical year.
Private Health Insurance • Under 65
Health coverage for life before Medicare.
Self-employed, early retired, between jobs, or paying too much on the Marketplace? I’ll compare private plan options side by side and explain the trade-offs in plain English.
- Premiums, deductibles, and networks compared side by side
- Check whether your doctors and prescriptions fit
- No cost to talk and no obligation to buy
Better Coverage. Better Pricing.
Zac EklundLicensed Health & Life Broker • 804.664.7397
Who This Is For
Built for people who buy their own coverage.
If you buy health insurance on your own, you have more choices than most people realize. My job is to lay them out clearly so you can decide.
- Self-employed & 1099 workers who need their own plan
- Early retirees who aren’t on Medicare yet
- Between jobs or looking at the cost of COBRA
- Marketplace shoppers paying high premiums without much subsidy help
- Families who want to keep the doctors they already see
- Business owners covering just themselves and their household
What I Compare
Lower premiums only matter if the coverage works.
Doctors & Network
Whether your doctors, hospitals, and prescriptions fit the plan’s network and drug list before you commit.
Plan Type & Limits
How each plan works, what it covers, any benefit limits, and options like HSA-eligible plans or dental and vision add-ons.
Straight talk about private plans
Not every private plan is ACA major medical coverage. Some private plans ask health questions and may limit or exclude coverage for pre-existing conditions, and benefits can vary widely. Before you decide, I’ll walk you through the plan type, what it covers, and its limitations, and compare it to ACA options when that’s the better fit.
Pricing and availability depend on your state, age, household, and eligibility. Savings are not guaranteed.
How It Works
Three simple steps.
Tell me about you
Fill out the short form or call. Your age, ZIP, and household are enough to start.
See your options
I’ll compare plans side by side and explain the trade-offs in plain English.
Choose with confidence
Pick the plan that fits, or keep what you have. There’s no pressure either way.
Questions
Common questions.
Can private health insurance really cost less?
It can for many people, especially those who don’t receive a large Marketplace subsidy. It depends on your age, state, health, and the type of plan, so I’ll show you real numbers for your situation rather than promises.
Is a private plan the same as an ACA plan?
Not always. Some private plans are ACA-compliant major medical coverage and some are not. Plans that aren’t ACA major medical may use health questions and may limit benefits or pre-existing conditions. I’ll tell you exactly which type each option is.
Can I keep my doctors?
Often, yes. Before you apply we’ll check whether your doctors, hospitals, and prescriptions work with the plan’s network.
When can I enroll?
Some private plans accept applications year-round. ACA Marketplace plans generally require Open Enrollment or a qualifying life event, such as losing other coverage. I’ll help you figure out what’s available to you now.
What does it cost to work with you?
Nothing extra. There’s no fee to talk with me or compare options.
Is this for people on Medicare?
No. This page is for people under 65. If you’re 65 or older, call or text me and I’ll point you in the right direction.
Ready to see what you could save?
A short form and a quick conversation is all it takes.