How to Get Private Off Exchange Health Insurance If You Lost Your Subsidies This Year
If you were enrolled in a Marketplace (ACA/Obamacare) health insurance plan and recently lost your subsidy, you’re not alone. Many individuals and families are experiencing higher premiums this year — sometimes doubling or even tripling — after subsidy eligibility changed or expired. For many, health insurance costs that were once manageable suddenly feel overwhelming.
So what are your options now? Can you get off the Marketplace entirely? And are there more affordable private alternatives?
At My Private Health Insurance, we specialize in helping self-employed individuals, small business owners, independent contractors, and families find off-exchange private PPO health insurance plans — especially when Marketplace premiums no longer make financial sense.
This article will walk you through:
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Why subsidies were lost
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What happens when Marketplace premiums increase
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How to properly cancel your Marketplace plan
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The difference between Marketplace and private underwritten plans
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Who qualifies for private PPO plans
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How private coverage can sometimes cut full-price ACA premiums in half
Table of Contents
Why Did My Marketplace Subsidies Go Away?
Marketplace (ACA) subsidies are based on your estimated household income and tax filing status. When your income changes or when government subsidy rules shift, the financial assistance you were receiving can decrease or disappear entirely.
Common reasons you may have lost your subsidy:
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Your income went up this year
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You changed jobs or became self-employed
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A dependent turned 26 or moved off the application
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Your tax filing status changed (married filing separately, etc.)
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You didn’t update your Marketplace account when life changes occurred
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Temporary COVID-era subsidy enhancements ended in your region
When that subsidy is removed, your plan reverts to the full, unsubsidized premium — and for many, the increase is dramatic.
Many families report premiums jumping to $1,200–$2,400+ per month — sometimes for plans with high deductibles and restrictive HMO networks.
This is usually the moment people begin searching for off-exchange private options.
Why Private Underwritten PPO Plans Are Often Cheaper
When you no longer qualify for subsidies, you are now paying the full retail cost of ACA coverage — which is priced without regard to your personal health history.
Private underwritten PPO coverage is priced differently.
If you are reasonably healthy, you may qualify for:
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Lower monthly premiums
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Lower deductibles
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Nationwide PPO networks (not restricted HMOs)
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Coverage that travels with you across states
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Options tailored to your income, lifestyle, and medical usage
Realistic Example:
| Marketplace (No Subsidy) | Private PPO (If approved) |
|---|---|
| $1,650/month | $850–$980/month |
| Usually HMO or EPO | Full national PPO network |
| $7,500–$9,000 deductible | Lower deductible options |
For many families, the savings range from 30% to 60%. A ton of people ask us, “what’s the catch?” The catch is that it’s hard to get approved, the private plans off the exchange, are all underwritten, so you can’t have major health conditions to get approved for the plans.
Who Qualifies for Private Plans?
Private underwritten medical plans are designed for individuals and families who:
✔ Are self-employed or own a small business
✔ Don’t qualify for Medicare or Medicaid
✔ Want PPO flexibility (not HMO restrictions)
✔ Are in overall stable health
✔ Want to reduce their rising premiums
Examples of people we help every day:
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Real estate agents & mortgage brokers
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Self-employed business owners
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1099 contractors (truckers, hair stylists, consultants, etc.)
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Traveling professionals, digital nomads, remote workers
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Families who simply earn too much to qualify for subsidies
If you’re not sure whether you qualify, we will review your health history confidentially and guide you through your options.
How to Switch Without Interrupting Coverage
The safest transition looks like this:
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Apply for private PPO coverage first
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Get approved and lock in your rate
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Set your start date
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Then cancel your Marketplace plan to end the day before
Example:
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Private plan begins February 1
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Marketplace ends January 31
No downtime. No uncovered medical risk.
How My Private Health Insurance Helps
We know the system. We work with it every day. And we simplify everything for you.
Our Role:
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We compare your current Marketplace plan to your private PPO options
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We shop networks, pricing tiers, deductibles, and flexibility
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We handle the enrollment & cancellation transitions for you
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We continue to support you year-round — not just at enrollment
What You Get:
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Personalized recommendations (not one-size-fits-all)
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Nationwide PPO network access in most areas
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Affordable, flexible benefit structures
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Real human support
If Your Marketplace Premium Just Jumped, You Do Not Have to Settle
You deserve options.
You deserve clarity.
You deserve a plan that fits your health needs and your financial reality.
That’s exactly what we do at My Private Health Insurance.
Start with a quick, free review:
📞 Call / Text: 561-927-9469
🌐 MyPrivateHealthInsurance.com
💬 Chat with us — we respond quickly.
No pressure. No rushed decisions.
Just honest guidance and the right coverage for your situation.