By Matthew Irons – Health Insurance Agent in San Tan Valley, AZ and Queen Creek, AZ
If you’ve looked at health insurance through the Marketplace (Healthcare.gov) and found out you don’t qualify for a tax credit subsidy, the premiums can be surprisingly high. But that doesn’t mean you’re out of options. In fact, there are several affordable private health insurance plans available in Arizona that may be a better fit for your needs and budget.
Why Marketplace Plans Can Be Costly Without a Subsidy
The ACA Marketplace is designed to provide financial help to individuals and families based on income. But if you earn above the subsidy threshold, you’re responsible for the full premium—which can easily exceed $500–$800/month for a single person.
Private Health Insurance Plans in Arizona
Private plans are available directly through licensed agents like myself and are not listed on Healthcare.gov. These plans can be:
- Much more affordable than unsubsidized Marketplace plans
- Customizable to your specific coverage needs
- Available year-round (you don’t have to wait for open enrollment)
- Backed by reputable nationwide carriers
Who Should Consider a Private Plan?
You might benefit from private insurance if you:
- Make too much money to qualify for a subsidy
- Are self-employed or a small business owner
- Need temporary coverage or a flexible deductible
- Value low monthly premiums and tailored networks
Important Considerations
Private plans are not one-size-fits-all. Some don’t cover pre-existing conditions or have more limited networks. That’s why it’s important to work with a local licensed agent who understands the Arizona health insurance market.
Talk to a Local Health Insurance Agent in San Tan Valley or Queen Creek, AZ
At Irons Family Insurance, I help you compare Marketplace and private options side-by-side so you can make an informed choice. You’ll get clear, honest guidance—no sales pressure, no endless phone calls.
Wondering if a private plan could work for you? Request a free consultation today.
Matthew Irons
Health Insurance Agent in San Tan Valley, AZ and Queen Creek, AZ
Irons Family Insurance
