If you don't have employer coverage and make too much for an ACA subsidy, you're probably paying more than you should for less flexibility than you need.
Most people compare one or two plans, pick under time pressure, and end up with cookie-cutter coverage. I customize the plan to what you actually need and keep the cost down by shopping across carriers rather than presenting a single option.
Because you're healthy, you may qualify for medically underwritten plans. Private coverage that can cost dramatically less than the marketplace. Marketplace plans are "guaranteed issue," with no underwriting, which is part of why they're expensive. I have access to multiple nationwide PPO carriers, including UHC, Cigna, Anthem/BCBS, and Aetna.
Health coverage is only part of the picture. I shop dental, vision, and life across carriers as well, so you're not settling for whatever comes bundled with your health plan.
I make too much for a subsidy, am I stuck with expensive marketplace plans?
Not necessarily. If you're healthy, medically underwritten plans can cost dramatically less.
What should I watch for when comparing plans on my own?
Always read the summary of benefits. A real major medical plan clearly states its deductible and out-of-pocket maximum. Watch for "limited benefit" or visit-limit plans. They can suit some people, but they aren't major medical coverage.
The Health Insurance Fit Finder is a free five-question guide. In about five minutes, you'll know whether you're in good shape, quietly overpaying, or starting from scratch