Outpriced and Overwhelmed: Why More Families Are Choosing Private Health Plans in 2025
- P'Sasha Joseph
- Jul 28
- 2 min read
Why More Families and Professionals Are Turning to Private Health Plans
As open enrollment approaches, thousands of Americans are logging into Healthcare.gov searching for affordable, reliable health coverage. But more often than not, they’re met with limited options, skyrocketing premiums, and narrow networks that leave them frustrated and uncertain.
The Affordable Care Act (ACA) has undeniably expanded access but its evolving structure has prompted a rising number of individuals,
families, and small business owners to explore alternatives outside of the public exchange.
One of the strongest alternatives? The private market.
The Reality of Rising Marketplace Costs in 2025
According to recent data, ACA premiums have increased in 43 states, with a national average hike of 6.7% year-over-year.
In states like Florida, Texas, and Georgia, where many enrollees are self-employed or don’t qualify for income-based subsidies, the cost of coverage is staggering:
Average silver-tier plan for a healthy family of four coming in at $1,200–$1,400/month, even with tax credits
Deductibles often range from $8,000 to $18,400
Limited PPO availability, most plans are HMO with restricted networks
Small shifts in income may eliminate subsidy eligibility, leaving middle-income earners unprotected
The Self-Employed Professional???
Alicia, 34, is a marketing consultant based in Austin, Texas. As a single business owner earning $85,000, she was disqualified from ACA subsidies. Her best ACA option? A silver-tier HMO plan at:
$972/month
$8,200 deductible
No access to her preferred doctors
She opted for a $525/month private PPO plan through a licensed advisor instead, which included:
$0 deductible for wellness
Critical illness & accident protection
Nationwide PPO access
Fixed, locked-in monthly rates
And most importantly, peace of mind
Why Private Market Plans Are Gaining Momentum
The private market is no longer an afterthought or luxury. It’s becoming the go-to choice for those seeking smarter, streamlined coverage without the red tape.
Here's why:
$0 Deductible Options for day to day health and wellness
Nationwide PPO Access – no referrals required
Rate Guarantee – guaranteed renewable, no annual requalification
Flexible Add-ons – protect against accident, critical illness, or hospitalization
Wellness Coverage & 24/7 Telehealth – proactive care, anytime access
Case Study: The Growing Family
James & Natalie, a couple in Atlanta with two children, earned just above the subsidy threshold. Their ACA quote?
$1,180/month
$16,000 combined family deductible
The private market gave them a $788/month PPO plan with:
Health & wellness care
Critical illness protection for both adults
Access to providers across state lines
They saved over $4,500/year in premiums alone and gained coverage that actually fit their family.
Final Thoughts: You Deserve Options
The ACA created access. But today's families and professionals need options plans that support their health, finances, and peace of mind.
If you’re:
Paying full price because you don’t qualify for subsidies
Frustrated with limited provider access
Tired of high out-of-pocket costs for basic care
Looking for flexible, long-term protection...
…it may be time to explore the private market.
Discover What Fits You Best
At Elite Health Preserve, we help individuals, families, and professionals secure customized coverage that’s designed to preserve what matters most.
Calm. Clear. Customized. Because health coverage shouldn’t be about settling.
It should be about securing.
Get in touch: www.elitehealthpreserve.com
Now assisting clients in over 30 states nationwide.
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