Do I have to wait until Open Enrollment?

No! That is only for ACA/Obamacare and government plans. Private insurance is available year-round.

How do I know if I should go with Private Health Insurance?

Take your current situation into consideration! Below are the major differences between ACA/ObamaCare, Employer, & Private Health Insurance... 

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ACA/Obamacare is major medical coverage that you cannot be denied due to any pre-existing conditions. It is most affordable IF you get a government subsidy on monthly premiums. If you aren't getting that discount, it is way more expensive than most plans out there.

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Employer plans are great for the employee themselves, but the minute you add a family member (spouse, kids, or both) onto the plan, the premium is going to skyrocket. This is because employers usually give benefits to their employees but the family will be paying full price to be added on to the plan.

Private insurance is health-based so there is an application process since not everyone may qualify based on their health. Because you're healthy, you're getting a preferred rate so it is cheaper than most plans with BETTER coverage.

Will the plan cover me everywhere I go? 

YES!

Nationwide coverage, on and off the job. All private plans are on major PPO networks, so you aren't limited to coverage in your county/state like many other plans. You are covered anywhere you go!

Am I locked into a Contract?

NO! There are no contracts for any type of health insurance plan, besides employer coverage. You can cancel at anytime for both the public and private health insurance plans.