What type of private health insurance coverage do I need?

At First Health, we tailor each plan to your specific needs to help reduce your monthly premium while maintaining the coverage that matters to you.

How much is the monthly premium for private health insurance?

Monthly premiums vary based on plan type, age, health status, and location. Individuals in their 20s and 30s typically start around $200-$400 per month.

Do First Health plans have a deductible?

Several First Health plan options carry zero deductible, meaning your health plan begins contributing from day one without a threshold to meet first.

Are my current doctors in-network with First Health?

First Health offers a variety of PPO networks including Blue Cross Blue Shield, Cigna, First Health, and MultiPlan PHCS, giving you flexibility to keep your preferred providers.

Is private health insurance guaranteed renewable?

Yes. All First Health plans are guaranteed renewable until age 65, unlike short-term plans that can drop coverage when you need it most.

Does private health insurance cover dental and vision?

Dental and vision coverage are available as optional add-ons to all First Health plan options.

Do I need a referral to see a specialist?

No. First Health PPO plans do not require referrals, so you can access specialists directly without going through a primary care physician first.

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Welcome to First Health

Affordable, Flexible

Personalized

Proudly serving individuals, families and small businesses

with the healthcare solutions they deserve.

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What Amazing Us

THE INSURANCE EXPERTS

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Simple Three Step Process

Understand how private health insurance works based on your needs

Understand Your Needs

We start with a few simple questions about your doctors, prescriptions, budget, and timing so you can clearly understand how private health insurance works before moving forward.

Understand what affects private health insurance cost and pricing factors

Understand Costs & Tradeoffs

Next, we walk you through real scenarios so you can understand what affects private health insurance cost and how different coverage decisions impact what you pay.

Enroll in private health insurance and get ongoing support

Enroll With Ongoing Support

Once you are ready, we help you move forward with a plan that fits your situation and stay available as your needs change. When you’re ready, you can compare private health insurance plans.

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Private Health Insurance by State

Coverage by Location

Private Health Insurance in Florida

Explore private health insurance options in Florida. Compare plans, review provider networks, and find coverage that fits your local healthcare needs.

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Nationwide PPO Health Plans Guaranteed Renewable Until Age 65 Any Doctor / Hospital Rate Locked Until Age 65 Nationwide PPO Health Plans Guaranteed Renewable Until Age 65 Any Doctor / Hospital Rate Locked Until Age 65

Why Choose Us

Nationwide Coverage

Individuals

Private plans are available for individuals aged 18-64, offering options tailored to meet your specific needs.

Families

Tailored options designed to meet the unique needs of each family member, assisting you in making informed choices.

Small Business

Explore the Employer Business Alliance (EBA): Group insurance options catering to the needs of the self-employed.

Independent Contractors

Insurance options available outside of employer-based group plans.

Travel Nurses

Experience a nationwide Private PPO that offers uniform coverage in every state.

Truckers

Keep wellness within reach with our round-the-clock telemedicine services, operating nationwide, accessible whenever you need it.

You Have Options

We Have Answers

COBRA too expensive?

High-priced premiums?

High Deductible?

Doctors not in network?

Turning 26?

Expensive Medication?

Pricey Max-out-of-pocket?

Dissolving a marriage?

Stuck in a job?

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Not ready yet? Compare your options

Frequently

Asked Questions

Most people don’t start with a plan—they start with questions. This section helps you understand what actually matters so you can move forward with confidence.

Do I need to know exactly what plan I want before getting started?

No. Most people start by understanding their doctors, prescriptions, and budget first. From there, we help narrow down plan options that actually fit how you use healthcare.

How do I know if my doctors are covered?

We start by identifying the doctors and hospitals you prefer, then look at plans that realistically match your access needs—not just what looks good on paper.

What actually affects the cost of private health insurance?

Cost depends on a mix of factors like age, location, plan structure, and how much flexibility you want with providers. Small tradeoffs in coverage can significantly change monthly pricing.

Is private health insurance better than ACA plans?

It depends on your situation. Private plans can offer more flexibility and network options, while ACA plans may be better if you qualify for subsidies. We help you compare both based on your needs.

How long does it take to get coverage?

In many cases, coverage can begin quickly after enrollment, depending on the plan you choose and your timing.

What happens after I enroll?

You’re not on your own. We stay available to help with changes, questions, or adjustments as your healthcare needs evolve.

Can I change plans later if my situation changes?

Yes. Many people revisit their coverage when doctors change, costs shift, or life circumstances evolve.

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We've provided clear and concise healthcare solutions for thousands of Americans.

Tailored Solutions

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