Healthy, Under 60 & Not On Government Assistance?
You may qualify for a private health plan that rewards your lifestyle..
$0 Deductible Options for Healthy Individuals
Private Coverage Options for People Under 60
For Those Not Receiving ACA Subsidies or Medicaid
Enroll Anytime, No Waiting
Healthy, Under 60 & Not On Gov. Assistance?
You may qualify for a private health plan that rewards your lifestyle..
$0 Deductible Options for Healthy Individuals
Private Coverage Options for People Under 60
For Those Not Receiving ACA Subsidies or Medicaid
Enroll Anytime, No Waiting
We are an experienced local team that . Get your fair and honest all-cash offer today.
We are an experienced local team that . Get your fair and honest all-cash offer today.
Explore your options from top insurance carriers
Explore your options from top insurance carriers
Is this a fit for you?
Private health coverage is a great match if you want real protection without paying for extras you do not use. It is ideal for people who are generally healthy, who are under the age of 60, want nationwide access to care, and prefer flexible enrollment any time of year.
Great fit for
Individuals and families who are healthy and want lower out-of-pocket exposure
Individuals under the age of 60
Individuals recently offered COBRA
Self-employed professionals who may deduct premiums
Employees keeping their own employer plan but seeking a separate, more affordable option for spouse and kids
Frequent travelers who need coverage that works in every state (i.e. truck drivers, travel nurses, etc)
May not be a fit for
People with significant pre-existing conditions who might qualify for better savings through the Affordable Care Act (also known as Obamacare) or state programs
Individuals with low or limited income who are likely eligible for subsidized health plans through the ACA marketplace
Adults over the age of 60 who may qualify for more affordable coverage options through Medicare or ACA-based programs
What You Get With Private Coverage
$0 deductible options: Start with protection from the first eligible dollar
Nationwide provider choice: Use doctors and hospitals across the country
Apply any time: No open-enrollment window required
Tailored benefits: Pay for what you need, skip what you do not
Phone enrollment: A licensed specialist handles everything for you.
Potential tax advantages: Many self-employed applicants deduct premiums (consult your tax professional)
How It Works
Answer a few questions in the short survey so we understand who needs coverage and where.
Speak with a licensed specialist in your state. A quick call reviews options and confirms eligibility.
Pick your plan and start coverage. Many applicants receive same-week start dates.
Real Stories From Real Families
We cut our monthly costs and kept our pediatrician. The phone process was simple.
As a consultant on the road, nationwide coverage was the deciding factor.
I kept my employee plan and moved my family to a separate private plan. Big savings.
Common Questions We Get Asked
Is this real health insurance or a sharing program?
This is private, medically underwritten health insurance. It is not a health sharing program.
Can I enroll any time?
Yes. Private coverage offers year-round enrollment, subject to eligibility.
Do I need to be healthy to qualify?
These plans are health-based. Applicants who are generally healthy and not managing major conditions tend to qualify most easily. If it looks like you would save more with Obamacare or a state program, we will let you know.
What about my doctors?
Most options include nationwide access so you can choose from a broad provider network across states. Share any must-have doctors during your call and we will check fit.
How does a $0 deductible work?
Eligible benefits can begin right away without meeting a deductible first. Your agent will explain exactly what is covered and any copays or coinsurance.
Are premiums tax-deductible?
Many self-employed applicants can deduct premiums. Always consult your tax professional for your specific situation.
Can I keep my employer plan and insure my family separately?
Yes. Many families keep the employee on the employer plan and place spouse and kids on a separate private plan to reduce overall costs.
How fast can coverage start?
Often within days once your application is approved and your effective date is selected.
© 2025 Better Health Quote
BetterHealthQuote.com is an independent website and is not affiliated with or endorsed by any government agency. Plan availability and eligibility vary by state and carrier. Private plans are medically underwritten; not all applicants will qualify. Benefits, networks, and premiums vary by state, age, and other factors. This website provides general information and is not a substitute for professional advice. By submitting your information, you agree to be contacted by a licensed agent by phone, text, or email regarding your inquiry. Message and data rates may apply. Consent is not a condition of purchase.