Private health coverage, on your terms
Private health insurance is coverage you buy directly from a top carrier — outside the ACA Marketplace. It gives you flexible networks, year-round enrollment, and plan designs tailored to your budget and care preferences. For many private plans, legal status in the United States is not required.
No obligation · Free consultation · Licensed in 28 states, serving all 50
Choose your private coverage path
As an independent licensed insurance broker, I offer two distinct private health options so you can pick the one that fits your family. Compare them below, then start a quote or book a free consultation and I'll help you decide.
Enrollment First — SelectMed Plans
Self-funded group health plans with guaranteed acceptance, no pre-existing condition exclusions, deductibles as low as $0, 100% ACA preventive care, nationwide PPO network, and optional GLP-1 benefits.
- Guaranteed acceptance — no pre-existing exclusions
- Deductibles as low as $0
- 100% preventive & wellness covered (ACA)
- Nationwide PPO network access
- Optional GLP-1 weight-management benefit
United Healthcare — Short-Term & Supplemental
Flexible short-term medical coverage plus indemnity plans and supplemental protection for cancer, accidents, and more — ideal for bridging gaps, seasonal needs, or adding protection on top of major-medical.
- Short-term medical coverage
- Hospital & medical indemnity plans
- Cancer, accident & critical illness supplements
- Fast online quoting & enrollment
- Great for gap coverage between jobs or plans
SelectMed Medical Plans
SelectMed Medical Plans are self-funded, group health plans that allows you to select from a variety of coverage options to fit your healthcare needs. Plan options include health coverages to fit your daily care needs of preventive and wellness, doctor visits and diagnostic tests only, as well as, higher coverage options to fit more infrequent needs such as emergency room, hospitalization, and surgery.
Guaranteed Acceptance & No Pre-Existing Condition Exclusions
Enroll with confidence — coverage is guaranteed with no exclusions for pre-existing medical conditions.
Deductibles as low as $0
Choose from options starting with a $0 deductible to minimize out-of-pocket friction from day one.
100% Preventive & Wellness Covered
Includes 100% of preventive and wellness coverage as defined by the Patient Protection and Affordable Care Act, in addition to Doctor Visits, Diagnostic Services, Inpatient Hospitalization and more depending on the plan chosen.
Nationwide PPO Network
Coverage available through a nationwide PPO Network except for services subject to referenced based pricing. Coverage for those services subject to reference based pricing is available irrespective of the provider's PPO Network membership.
GLP-1 Coverage Available
GLP1 coverage available to support weight loss, better blood sugar control, heart health and overall well-being.
SelectMed Monthly Plan Rates
Rates based on tier — create your free account to lock in coverage.
Rich doctor & hospital coverage
Comprehensive care with lower out-of-pocket
Solid essential protection balanced with value
Extensive major-medical coverage tier
Flexibility the Marketplace can't match
Enrollment First offers a modern portfolio of private major-medical plans designed for individuals and families who want choice, value, and year-round access. Below are the products available through Enrollment First — review the brochures, then create your free account to see live pricing and enroll.
Plans designed around your life
Each plan is summarized below. Tap “View plan details” to open the official 2026 brochure (PDF) in a new tab.
SelectMed Pro & Max Plans
Our top-tier major-medical plans with the richest benefits — comprehensive doctor and hospital coverage, lower out-of-pocket maximums, and broad PPO-style network access. Ideal for families who want strong protection and predictable costs.
View SelectMed Pro & Max detailsSelectMed Value & Bronze Pro Plans
Budget-conscious major-medical plans that balance monthly premium with solid essential coverage. A smart choice for healthy individuals and families who want protection against big bills without overpaying for care they rarely use.
View SelectMed Value & Bronze detailsPreventive & Immunization Benefit
A focused preventive-care benefit that covers routine checkups, screenings, and immunizations at little to no cost — helping you stay healthy and catch issues early before they become expensive.
View Preventive & Immunization detailsGLP-1 Weight-Management Benefit
An optional benefit that provides access to GLP-1 medications and a guided weight-management program — supporting metabolic health alongside your medical coverage.
View GLP-1 benefit detailsGet your quote in minutes
To see live plan pricing and enroll, you'll first create a free Enrollment First account. This keeps your information secure and lets you save quotes, compare plans side by side, and complete enrollment online — at your own pace.
Create your free account
Tap the button below and enter your name and email to set up your secure Enrollment First account.
View available products & pricing
Once logged in, you'll see the SelectMed plans available in your area with live monthly premiums and benefit summaries.
Compare & enroll
Compare plans side by side, choose the one that fits your family, and complete enrollment online — or book a call and I'll walk you through it.
Your account is free and there's no obligation to enroll. Prefer personal guidance? Book a free consultation and I'll help you choose.
Which coverage is right for you?
Not sure whether the ACA, private insurance, or faith-based health sharing fits your situation? This honest guide breaks down who each option is recommended for — and who should consider something else. Still unsure? Book a free consultation and I'll help you decide.
ACA — Affordable Care Act
Recommended for
- You have lawful legal status in the United States
- Your income qualifies you for premium tax credits (subsidies)
- You have pre-existing conditions (no exclusions allowed)
- You want comprehensive essential health benefits
- You want guaranteed-issue coverage that can't drop you
- You qualify for cost-sharing reductions (lower incomes)
Not recommended for
- You do not have lawful legal status in the US
- Your income is too high for subsidies and you want lower premiums
- You missed open enrollment and have no qualifying life event
- You're 65+ (Medicare is your path)
- You can't accurately predict your income — if you earn more than you stated, you must pay back the excess subsidy (premium tax credits) at tax season
Private Health — Enrollment First / SelectMed
Recommended for
- Legal status is not required for some plans
- You want year-round enrollment (not tied to ACA open enrollment)
- You want guaranteed acceptance with no pre-existing exclusions
- You want deductibles as low as $0
- You want nationwide PPO network access
- You're interested in GLP-1 weight-management benefits
- You're self-employed, a gig worker, or a small business owner
- You want to avoid ACA subsidy clawback risk — no premium tax credits to repay at tax season even if your income ends up higher than expected
Not recommended for
- You live in AK, HI, MA, NH, NY, SD, WA, or PR (SelectMed not available there)
- You qualify for large ACA subsidies (ACA may cost less)
- You want the full essential-health-benefit protections of the ACA
- You're 65+ (Medicare is your path)
Faith-Based — Zion HealthShare
Recommended for
- You're under 65 and generally healthy
- Legal status is not required
- You want lower monthly contributions than traditional insurance
- You don't qualify for ACA subsidies and want an affordable alternative
- You align with biblical principles of bearing one another's burdens
- You're comfortable as a self-pay patient negotiating cash rates
- You want no network restrictions (see any provider)
- You want to avoid ACA subsidy clawback risk — no premium tax credits to repay at tax season even if your income ends up higher than expected
Not recommended for
- You're 65 or older (membership ends at 65 — use Medicare)
- You have significant pre-existing conditions needing ongoing care (24-month waiting period, then phased in over 4 years up to $125k/yr)
- You live in Washington state (not available)
- You need maternity coverage in your first 6 months of membership
- You want guaranteed payment of medical bills (it is not insurance)
- You want the ACA's essential health benefit protections
- You're a heavy user of medical care needing predictable, guaranteed coverage
This is general guidance, not a recommendation. Your actual eligibility and costs depend on your income, state, health, and the plan you choose.
Zion HealthShare guidance based on the official Member Guidelines (Jan 2026).
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