Private Plans Defined
Private Plans
Individual and Family Private Plans are available from Via Benefits directly through insurance carriers. Private plans, like Marketplace plans, are major medical, Affordable Care Act-compliant plans sold outside of the government-run Health Insurance Marketplaces.
Private plans offer the same consumer protections as Marketplace plans, such as guarantee issue, enrollment period rules, and no medical underwriting.
Enrolling in a Private plan doesn't give you the opportunity to apply for a Premium Tax Credit (PTC), but Private plans can be paired with a Health Reimbursement Arrangement (HRA) if available. Federal regulations don’t allow for both an HRA and a PTC at the same time.