8/21/2025
Why Private Plans Can Make More Sense
High-income earners often benefit from off-marketplace private health insurance options. These are not listed on Healthcare.gov and don’t rely on income-based subsidies.
Benefits include:
- Lower Premiums – Often 20-40% less than similar ACA plans.
- Lower Deductibles – Options as low as $1,000-$2,500.
- National PPO Networks – Access to top doctors anywhere in the country.
- Customizable Coverage – Build a plan that fits your health and lifestyle needs.
Real-World Example
A married couple earning $250,000/year was paying $2,200/month for a Marketplace silver plan with a $6,900 deductible each. By switching to a private PPO, they:
- Lowered their premium to $1,480/month
- Reduced their deductible to $2,500
- Gained nationwide access to providers
Who Should Consider Going Off-Marketplace
- Professionals earning above ACA subsidy limits
- Business owners who write off premiums as a tax deduction
- Frequent travelers or those needing specialized care
Tax Planning Advantage
For high-income earners who own a business, premiums may be deductible, which can further reduce the cost of an off-market plan. Combining smart tax strategies with the right insurance can significantly cut your total healthcare expenses.
Final Thought: Just because you don’t qualify for subsidies doesn’t mean you have to settle for overpriced or restrictive plans. Private PPO options can offer better coverage, more freedom, and lower costs.
Ready to explore your options? Call (716) 503-1113 for a free consultation and plan review.