BOCA RATON, Fla. – Health Insurance Now is helping small business owners weigh private health insurance plans against the cost of Marketplace coverage, arguing that many owners who earn too much for subsidies are overpaying without realizing it. The brokerage says a direct comparison often changes the math.
For owners who don’t qualify for Marketplace subsidies, unsubsidized Marketplace premiums can be steep, and reinvesting in the business often means less cash on hand for coverage. Private health insurance, the firm says, frequently offers a more rational price point, along with broader networks and year-round enrollment.
As an independent brokerage comparing more than 25 carriers, Health Insurance Now can put private quotes next to an owner’s Marketplace cost, giving them a clear side-by-side view. For healthier applicants especially, the private option can come out ahead.
“A business owner’s income doesn’t always reflect what’s actually available to spend on premiums,” said Matthew Sechter, CEO of Health Insurance Now. “A lot of owners are stunned by how much they can save on the private side once we run the numbers.”
The firm stresses that the comparison is about more than premium. Private PPO plans often provide nationwide networks and specialist access without referrals, features that many owners value once they see them spelled out, especially those who travel for work.
Health Insurance Now is candid that private plans involve tradeoffs and that some may underwrite for health history. Its agents review those details so owners understand exactly what a private plan will and will not do.
The firm says owners of service-based businesses – contractors, consultants, and independent retailers – are its most natural audience here, since their income fluctuates but their coverage needs stay constant.
“Our job is to lay the two options side by side and let the numbers speak,” Sechter added. “When owners see the real comparison, they make a confident choice instead of defaulting to whatever they signed up for last year.”
Because private coverage is available year-round with no open enrollment window, the company notes, owners aren’t limited to a single sign-up period and can switch when the math favors it, whether that’s after a slow season or a strong one.
Health Insurance Now adds that it remains available to clients after enrollment, helping them navigate benefits and resolve issues, support the company sees as central to its role as an advocate rather than a one-time seller.
Business owners above the subsidy line can call a licensed specialist for a free comparison of private health insurance plans against their Marketplace alternative.
About Health Insurance Now:
Health Insurance Now is a licensed insurance brokerage that has helped individuals and families secure affordable private health coverage for more than 25 years. Comparing 25-plus top carriers, the firm builds custom private PPO plans offering broad doctor access and year-round enrollment, frequently priced below comparable Marketplace options. Learn more at healthinsurancenow.com.
Email: info@healthinsurancenow.com
Media Contact
Name
Health Insurance Now
Contact name
Matthew Sechter
Contact phone
866-243-1130
Contact address
980 N Federal Highway, Ste 308
City
Boca Raton
State
FL
Zip
33432
Country
United States
Url
https://healthinsurancenow.com/
