Private insurance

Private insurance is a health plan you buy yourself or that an employer offers you. If you don't have health insurance through an employer, you may buy insurance through your state's health insurance Marketplace. These were set up as part of the Affordable Care Act. You can also buy a private health insurance policy sold outside of the Marketplace.

In the Marketplace, you'll see if your income qualifies you to receive a premium subsidy from the government. This will help pay for insurance and lower the monthly cost of your health plan. Depending on your income, you may also qualify for financial assistance that lowers your costs each time you receive medical care. To find your state Marketplace, go to

WebMD Medical Reference Reviewed by Sarah Goodell on June 21, 2021
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