Private Health Insurance & Off-Exchange Health Plans
Flexible Coverage Options Outside the ACA Marketplace
If you are exploring health insurance alternatives to the ACA Marketplace, private (off-exchange) health insurance may offer competitive pricing, broader provider networks, and flexible plan options — especially for healthy individuals and families.
Purple Solutions Insurance partners with top-rated carriers to help individuals compare private health insurance options in multiple states. We review both Marketplace and off-exchange plans so you can confidently choose coverage that fits your healthcare needs and budget.
What Is Private (Off-Exchange) Health Insurance?
Private health insurance — also known as off-exchange coverage — refers to plans purchased directly through insurance carriers or brokers rather than through the federal Marketplace.
Unlike ACA Marketplace plans, some private policies:
Require medical underwriting
Ask health and prescription history questions
May offer lower premiums for healthy applicants
Provide access to strong PPO or nationwide networks
Offer flexible deductible and cost-sharing options
Because these plans evaluate health history, approval is not guaranteed. However, for individuals in good health, private plans can provide significant savings and network flexibility.
Benefits of Private Health Insurance Plans
Competitive Pricing for Healthy Applicants
Medically underwritten plans often provide lower monthly premiums compared to Marketplace coverage for those who qualify.
Access to Strong PPO Networks
Many off-exchange options include broad PPO networks that allow greater flexibility when choosing doctors and specialists.
Flexible Deductible Options
Choose from multiple deductible levels to match your financial comfort level and risk tolerance.
Nationwide Provider Access
Ideal for individuals who travel frequently or want broader provider flexibility.
Who Should Consider Private Health Insurance?
Private health insurance may be a strong option if you:
Are self-employed or an independent contractor
Do not qualify for ACA premium subsidies
Want broader network access
Are early retired but not yet Medicare-eligible
Are in generally good health
Prefer plan flexibility outside Marketplace restrictions
If you have ongoing medical conditions or high prescription usage, we will also evaluate ACA Marketplace options to determine which path offers the most comprehensive protection.
Licensed in Multiple States
Purple Solutions Insurance is licensed in Florida and 17+ additional states. We assist individuals and families nationwide with private health insurance options and remote consultations.
If you have family members in another state, we can help coordinate coverage for them as well.
Our Simple Comparison Process
Review your healthcare needs and budget
Discuss doctors, prescriptions, and usage expectations
Evaluate eligibility for medically underwritten plans
Compare private and Marketplace options
Review networks, deductibles, and benefits
Guide you through enrollment
Our services are provided at no cost to you.
Ready to Compare Private Health Insurance Options?
If you’re considering coverage outside the ACA Marketplace, schedule a free consultation to review your options.We’ll help you compare pricing, networks, and eligibility so you can choose coverage with confidence.
Schedule a Free Consultation
Call: 754-223-9856