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Old school health plans still exist (and most people don’t realize it)

April 23, 2026

In June, I spotlighted the top 10 questions we get asked in the office.

But there’s a big one I hear from people who were just referred or are hearing about us for the first time:

“Wait…what?…private, old school health plans still exist??”

I am still amazed at how many people tell me they did not know about a private health care option.

But they do exist.

They’ve been around since before ACA plans started in 2014.

And many people are shocked—and pleasantly surprised—to learn that private health care options are available (and are often better).


What is a private (or “old school”) health plan?

To make sure we are clear with our definitions:

Private or “old school” plans are health plans where a health insurance company provides coverage based on someone’s medical history.


Why more people are looking for these options

Lately, some of our referrals have been coming from health insurance brokers who are unable to provide plans because…

Open enrollment is not available through:

  • someone’s current job
  • or an ACA (Obamacare) plan

Some people also didn’t realize their company or ACA plan from the previous year didn’t get set up for the current year—and now they can’t get back on their old plan.


What this means for you

This is exactly why I’m always on the “hunt” for better ways to share the options available and support you in:

  • finding the right plan (not just the default one)
  • navigating your care confidently
  • protecting your private information so you don’t get spammed with calls

What I want people to experience

When someone is referred to our office, here’s what I want them to feel:

  • heard and understood
  • fully informed of all their options (not just mine)
  • confident in the plan they choose

And above all, that their personal information stays 100% private.


A simple reminder

Health care can be simple, direct, and personalized.

That’s what I love helping people find.

And yes—remember, with a private health plan, you can apply anytime of the year.


Need help exploring your options?

If you or someone you know could use support, it can make a big difference to talk through what’s actually available.

Book a call here.

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Health plans that match your lifetyle

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mary hunt

All information is to be used for educational purposes only and is not to be used as a replacement for advice or recommendations from a licensed advisor.

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