Typically, Private insurance is a better option for people with dependents. While medicaid plans offer coverage only to individuals, private insurers usually allow people to extend health coverage to dependents, including children & spouses. Many people are turning to non-Obamacare plans, also known as term medical plans. There's a lot of misinformation floating around, so we’re going to clear it up.,First let's quickly cover what exactly these plans are. Some Features include:

● Greater Savings through PPo plans with lower deductibles and out-of-pocket costs
● Available for up to one year
● Access to more doctors, office visits, hospital stays and surgeries.
● Real medical insurance with up to $2million in lifetime benefits.

Fact: These plans provide excellent coverage for doctors, office visits, hospital stays, surgeries and prescription drugs up to $2 million a year. They also offer your choice of many more doctors and hospitals than Obamacare plans have. Myth: I will have to pay a tax penalty for purchasing a non-Obamacare plan.

Fact: You may or may not have to. You should speak with your tax preparer about the,options available to you. Plus, if you're on one of these plans for only part of the year, the tax is pro-rated so you won't have to pay the full amount.

In many cases, the savings on premiums outweighs the tax penalty. Myth: If I get sick , I'm stuck with this plan. Fact: You can go back to an Obamacare plan during the next open enrollment season with no medical questions asked.

Myth: These plans don't cover maternity, mental health, or pre-existing conditions. Fact: OK, this one is actually true, but it’s not necessarily a bad thing. If you don't need these benefits, then why pay for them like you will on the Obamacare plan. Myth: I have to answer a lot of medical questions.

Fact: You will have to answer some simple medical questions about major conditions like heart disease, cancer, Stroke etc. but if you live a healthy lifestyle and you qualify, the savings are huge.

Myth: I can just go without health insurance this year.

Fact: That’s a terrible idea. Did you know the number one reason people file bankruptcy is because of unpaid medical bills? What if you break a leg? That's $5000 out-of-pocket. What if you have a heart attack? That could be a whopping $100,000 or more.

Myth: I already bought an Obamacare plan. I cant switch until open enrollment Fact: You can cancel your Obamacare plan and purchase a non- Obamacare plan outside of open enrollment.

What many might not realize is that a state exchange of the federal marketplace is not the only option for buying a health care plan. Plus there could be extra benefits for shopping away from the government exchanges.

These plans are usually cross listed on private websites like Healthcare.com
Here are some unique characteristics about on-exchange plans: Marketplace insurance offers the opportunity for individuals to apply for a tax subsidy if they qualify for financial help to pay a portion of their health insurance plan because their income falls between 100 and 400 percent of the national poverty level. This Obamacare tax subsidy calculator can help you determine if you qualify.

● Ambulatory patient services outpatient care without being admitted to a hospital
● Emergency Services
● Hospitalization,● Maternity and newborn care
● Mental health and Substance use disorders services including behavioral treatment, counseling, and Psychotherapy
● Prescription Drugs
● Rehabilitative and Habilitative services and devices to help people with injuries, disabilities or chronic conditions gain or recover mental/Physical skills
● Laboratory Services
● Preventive and Wellness Services and Chronic disease Management
● Pediatric services including dental and vision care Many on-exchange marketplace insurance plans have smaller doctor networks. One way health insurance carriers keep monthly rates low on the exchanges is by keeping the network narrow. There are administrative costs associated with having health plans on exchange, and small networks are a way to curb costs. So it’s important to always check and make sure your doctor or a hospital close by is in-network before you buy a plan.
Private Health insurance plans are sold directly by health insurance companies, agents or through an online website entity like HealthCare.com No Private health insurance plan is eligible for any financial subsidy assistance. Since they are major medical insurance plans, they still must offer the same essential health benefits listed above.
Private plans can be purchased online, through an insurance broker or directly through a health insurance company. It’s important to note that commissions for medical insurance sales are paid by the health carrier and are not tacked on to your final bill.