Private Health Insurance vs. ACA Marketplace Plans: What's the Difference?
Marketplace plans and private health plans work very differently. Here's how they compare on price, eligibility, pre-existing conditions, and when you can enroll.
Dalton KatoLicensed advisor · 19 states
Health insurance, handled by someone in your corner.
I'm Dalton Kato, a licensed health advisor. I compare private and Marketplace options and find the plan that fits your doctors and your budget.
- 500+ clients
- 1-on-1 help
- 19 states
- $0 cost to you
See what coverage might cost
Four quick questions, private and Marketplace prices side by side. No email needed.
- Estimateright here
- Exact quotefrom me, free
- EnrollI handle it with you
I also help with small group plans, dental, vision, supplemental, and accident coverage.
Dalton KatoLicensed health advisor · NPN 21432577
One advisor, licensed in 19 states.
No call center and no handoffs. I'm the one who compares your options, helps you enroll, and picks up when you have a question later.
Most of my clients are self-employed, own a small business, or are shopping without a subsidy. I explain the trade-offs in plain English so you can choose with confidence.
Hover over or tap a state to see my license there.
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What clients say
Dalton was super helpful from the beginning- a great communicator and he gave me a thorough rundown of the insurance process and coverage!
Dalton was very informative and helpful! He made sure he explained everything we were doing and got my family the best coverage! A truly great person to work with!
Dalton is very helpful anytime I have questions and is also very quick to respond. Highly recommend!!
Dalton has been a pleasure to work with. He's very knowledgeable, timely, and has went above and beyond to answer any questions we have had!
Straight answers
Plain-English guides to the questions I hear most. Read the FAQ or browse every post.
Retiring Before 65? Your Health Insurance Options Until Medicare
If you retire before 65, you'll need coverage until Medicare starts. Here's how COBRA, the Marketplace, and private plans compare for early retirees.
Earn Just Over the Subsidy Limit for 2027? Here's What Happens
Under current law, Marketplace tax credits stop at 400% of the federal poverty level. Here's what that means for 2027 and what your options are if you're just over the line.
Let's find the plan that fits.
A free quote, no obligation. Bring your questions and I'll bring the options.