PRIVATE INSURANCE & OFF-EXCHANGE PLANS
Private Insurance | Off Exchange
Private insurance, also called off exchange, is health coverage you buy directly from an insurance company instead of through Connect for Health Colorado. It's often the best fit if you don't qualify for premium tax credits or want a specific carrier or PPO network.
Start with the providers you want to keep. We help you review the specific PPO network, covered services, and costs of each available plan so you can compare your options with confidence.
Mile High Health Brokers works with every major carrier in Colorado, and we also work with groups outside of the ACA for people who want more options. Our help is 100% free. Prefer an exchange plan? You can also compare ACA marketplace plans.
Your provider network matters. A PPO network connects you with participating doctors and hospitals, but the details of your plan still determine what is covered.
Why Consider a PPO Network?
PPO plans generally cost less when you use in-network providers and allow out-of-network care at a higher cost. We help you check the network and compare the plan’s benefits before you choose.
Check Your Doctors, Benefits, and Costs
- Provider access: Verify your doctors, specialists, and preferred hospitals in the specific plan’s current network.
Total costs: Compare premiums, deductibles, copays, coinsurance, and out-of-network costs—not just the monthly price.
Plan details: Review covered services, prescriptions, exclusions, eligibility, and any pre-existing-condition limitations.
Private Insurance FAQs
Off-exchange plans are bought directly from an insurance company instead of through Connect for Health Colorado. Premium tax credits only apply on the exchange, so off-exchange plans usually make the most sense if you don't qualify for savings.
Yes. Along with off-exchange plans, we work with groups outside of the ACA and can walk you through how they compare to traditional coverage.
Typically these plans can come at a lower premium.Â