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Private Health Plans
Private health plans may be worth considering if you are relatively healthy, do not qualify for strong ACA subsidies, or want to compare alternatives outside the traditional marketplace.
Better coverage starts with better options. We help you save today so your family can have a brighter tomorrow.
Clear Direction
Coverage for today, with tomorrow in mind.
Most agents stop at selling you a plan. I look at the whole picture and help build a protection strategy around it.
As a licensed independent insurance agent, I understand where traditional coverage can leave families exposed.
My role is to identify those gaps and help structure coverage around those weak spots, so your plan is not just affordable today, but better prepared for the costs that could arrive tomorrow.
Under-65 Health Coverage
When life changes, your plan should keep up.
Most people don’t shop for health insurance because life’s simple or because things stayed the same. They shop because something changed unexpectedly, and the next step isn’t always clear. A job ended. A premium jumped. A family situation shifted. Open enrollment passed. COBRA started to feel like a second mortgage. I help you compare the paths that may be available, so you can make a clearer decision before choosing a plan.
Short-Term Medical
Short-term medical coverage may help during temporary gaps, such as job changes, missed enrollment windows, waiting periods, or transitions before another plan begins.
Tri-Term Coverage
Tri-Term options may provide a longer private coverage path than traditional short-term plans, depending on your state, health, and eligibility.
ACA Marketplace Plans
ACA plans may be the better fit if you qualify for subsidies, need guaranteed-issue coverage, have pre-existing conditions, or want full ACA essential health benefits.
Supplemental Gap Coverage
Hospital indemnity, accident, critical illness, dental, vision, and fixed indemnity plans can help fill financial gaps that major medical coverage may not fully address.
Private vs ACA
Different plans. Different tradeoffs. One clearer decision.
ACA, private health, and Tri-Term options all solve different problems. As a licensed independent insurance agent, I help you compare the tradeoffs, understand where gaps may exist, and structure coverage around your health, budget, and potential out-of-pocket exposure.
Private / Tri-Term
Private / Tri-Term May Fit When:
- You are relatively healthy and do not have major pre-existing conditions.
- You want to compare lower-premium private options outside the ACA marketplace.
- You are self-employed, between jobs, or buying coverage on your own.
- You want to pair health coverage with ancillary protection to help address potential gaps.
- You missed open enrollment or need a flexible option before another plan begins.
ACA Marketplace
ACA May Fit When:
- You qualify for strong subsidies through the marketplace.
- You have pre-existing conditions and need guaranteed-issue coverage.
- You use ongoing prescriptions, specialists, or frequent medical care.
- You want ACA essential health benefits built into the plan.
- You prefer marketplace-based coverage with ACA protections.
My job is not to push one direction. My job is to explain the tradeoffs clearly, so you understand what you are buying before you apply.
Supplemental Protection
The plan matters. So do the gaps around it.
A health plan may help with the hospital bill, but life doesn’t stop while you recover. The mortgage still has to get paid. Groceries still need to be bought. Time off work, travel, deductibles, follow-up care, and the everyday costs around an illness or accident can add real pressure, real fast.
That’s where supplemental protection can help. Products like hospital indemnity, accident, critical illness, dental, vision, and fixed indemnity coverage may help add another layer around those gaps and, in some cases, help reduce the financial pressure they create. It may be more affordable than you think, and it can be far easier to plan ahead than to face a major medical event unprepared.
Hospital Indemnity
Pays a fixed benefit for qualifying hospital stays.
Accident Coverage
Helps with expenses related to covered accidents.
Critical Illness
Provides benefits for qualifying serious health events.
Dental
Coverage for preventive care, basic services, and more depending on the plan.
Vision
Helps with exams, glasses, contacts, and related vision needs.
Fixed Indemnity
Pays set benefits for covered services, depending on the policy.
Independent vs Captive
Being sold a plan is different than being guided through your options.
A captive agent may be limited to one company or product shelf. As a licensed independent insurance agent, I can help compare multiple coverage paths, explain the tradeoffs, and build the recommendation around your situation instead of one carrier’s lineup.
Captive Agent
Captive Agent
- Usually represents one company.
- May have a limited product shelf.
- May only show options from that carrier or organization.
- May be useful when that carrier is already the right fit.
Independent Agent
Independent Agent
- Can compare multiple coverage paths.
- Can explain private health, ACA, Tri-Term, supplemental, life, and Medicare-related options where appropriate.
- Can help identify tradeoffs and potential gaps.
- Builds around your situation instead of one carrier’s product shelf.
My goal is simple: clear options, direct guidance, and no pressure to choose something you don’t understand.
Want a broker who actually works for you?
Remon Rasho
Licensed Independent Insurance Agent
Meet Your Agent
No call center. No handoff.
You work directly with me, Remon Rasho, a licensed independent insurance agent.
I help you compare coverage options, understand the tradeoffs, and build a strategy around your health, your budget, and the gaps that could matter later.
You get direct guidance from someone who takes the time to explain what you’re buying before you apply.
I work with clients over the phone and through scheduled in-person appointments in Grand Junction, Colorado, when appropriate. Clients outside the Grand Junction area can work with me by phone.
Want a broker who actually works for you?
Google Reviews
Real clients. Real answers. Real confidence.
Five-star reviews aren’t earned by rushing people through a quote. They’re earned through clear explanations, patience, responsiveness, and follow-through. My goal is simple: help you understand your options, compare the tradeoffs, and make a decision with more confidence.
HOW IT WORKS
From confused to confident.
The goal isn’t to overwhelm you with options. It’s to narrow the field, explain the tradeoffs, and help you understand what you’re choosing before you apply.
Tell me what changed
A job ended. A premium jumped. You started working for yourself. Open enrollment passed. We start with what actually brought you here.
I compare the paths
I review the options that may fit, including private health, ACA, Tri-Term, short-term medical, and supplemental protection when appropriate.
You make a clearer decision
You’ll understand what each option may solve, where it may fall short, and what it could mean for your budget.
Want a clearer path before you choose?
Additional Coverage
Support for more than one stage of life.
Some coverage decisions are about today. Others are about what comes next. I can also help with life insurance and Medicare Advantage plan comparisons when those needs become part of the picture.
Life Insurance
Protection for income replacement, mortgage protection, final expenses, and family security.
Medicare Advantage
Plan comparison support for eligible Medicare beneficiaries reviewing MAPD options.
The goal is to help your coverage work together around your actual stage of life, not sell disconnected policies that don’t support the bigger picture.
FAQ
Common questions before choosing a plan.
Possibly. ACA enrollment has specific rules and qualifying life events, but private health and short-term options may be available outside the ACA open enrollment period depending on your state, health, and situation.
No. Private health plans and ACA plans can work very differently. ACA plans are guaranteed issue and include essential health benefits. Some private plans may ask health questions, include limitations, or handle pre-existing conditions differently.
Not always. Private plans may be a good fit for some healthy individuals and families, especially when ACA subsidies are limited. ACA may be better for people with pre-existing conditions, significant prescriptions, strong subsidies, or ongoing medical needs.
Short-term medical insurance is temporary coverage designed to help during gaps, transitions, waiting periods, or situations where traditional coverage is not currently available or affordable. It is not the same as ACA coverage, so the tradeoffs matter.
Tri-Term coverage is a private health option that may provide a longer coverage path than standard short-term medical plans, depending on your state, health, eligibility, and plan availability.
Some private plans may limit, exclude, or handle pre-existing conditions differently than ACA plans. If you have pre-existing conditions, this is one of the most important things we review before you apply.
Yes. Dental, vision, accident, hospital indemnity, critical illness, and other supplemental options may be available depending on your needs. These can help add another layer around costs a major medical plan may not fully address.
Yes. I can help compare life insurance options for family protection, mortgage protection, income replacement, and final expense planning.
Yes. For eligible Medicare beneficiaries, I can help compare Medicare Advantage options based on doctors, prescriptions, benefits, and plan fit.
I am licensed in multiple states and can help clients across much of the country. If your situation requires a specific state license, we will confirm that before moving forward.
Yes. I meet with local clients by scheduled in-person appointment in Grand Junction, Colorado, when appropriate. I also work with clients over the phone, including clients outside the Grand Junction area.
START HERE
Not sure which coverage path fits?
Whether you’re comparing ACA, private health, Tri-Term, short-term medical, or supplemental protection, I can help you sort through the tradeoffs clearly.
I can help over the phone or through scheduled in-person appointments in Grand Junction, Colorado, when appropriate.