Private Health Plans
Health protection with costs you actually understand
Defined-benefit private plans: you know what you pay for each visit, with a national PPO (Preferred Provider Organization) network and 24/7 telemedicine. Let's be clear: these are not major medical insurance or an ACA (Affordable Care Act) marketplace plan.
ITIN
accepted · no Social Security number needed
24/7
telemedicine with no copay on plans that include it
$0
for preventive services, depending on the plan
What is a defined-benefit private health plan?
It's a private plan that pays fixed, clear amounts for specific services, for example a copay for a doctor's visit or a defined cap for a hospital stay. The idea is simple: you know upfront how much the plan covers and how much is on you, without confusing fine print.
It is not major medical insurance or an ACA marketplace plan, and it does not meet the minimum essential coverage mandate. It's an alternative for families who currently have no coverage, don't qualify for a subsidized ACA plan, or want an option with more predictable premiums.
It includes access to a national PPO network, 24/7 telemedicine with no copay, and $0 preventive services. Many of these plans accept an ITIN (Individual Taxpayer Identification Number), opening the door for families without a Social Security number. At Latin Prime we’re the agency that helps you get your plan with established carriers: we compare options and guide you, and we review the details in a free consultation.
Private plan vs. ACA marketplace plan
It's not better versus worse: they're different products for different needs.
If you qualify for a subsidized ACA plan, it's almost always the more complete base. An advisor helps you compare with no pressure.
How to get started
A short process, in your language and with no obligation.
Book your free consultation
We talk through your situation and what coverage your family truly needs.
We review your options
We explain what the plan covers, what it doesn't, and how copays and caps work.
We compare honestly
If an ACA plan suits you better, we'll tell you. The goal is for you to choose well.
Enroll when you're ready
Since enrollment is year-round, there's no rush to beat a deadline.
What this plan gives you
- Defined copays and caps: you pay clear amounts for visits, labs, and hospital stays, with no last-minute surprises.
- Broad national PPO network, so you can choose doctors and clinics in your area.
- 24/7 telemedicine with no copay: talk to a doctor from home anytime, without leaving or paying extra.
- $0 preventive services, like routine checkups, to care for your health before problems grow.
- Year-round enrollment: you don't have to wait for a special period to get started.
- ITIN accepted, so many Latino families who don't qualify for ACA can still access coverage.
Let's be clear: what to keep in mind
- These plans do NOT cover chemotherapy or maternity. If that's what you need, this is not the right product.
- Because they are defined-benefit, they pay up to a cap per service; anything above that cap is on you.
- They don't replace major medical insurance if you have a serious condition needing ongoing treatment.
- Benefits, limits, and exclusions vary by state and by insurer. Always review the plan summary before deciding.
Myths that confuse many families
Let's clear up what's most misunderstood about these plans.
It's the same as Obamacare or a marketplace (ACA) plan.
No. It's a defined-benefit private plan; it's not major medical and it doesn't meet the minimum essential coverage mandate.
If I don't have a Social Security number, I can't get anything.
Many of these plans accept an ITIN, so families who don't qualify for ACA can still access coverage.
It covers absolutely everything, like a big insurance plan.
No. It has per-service caps and important exclusions; for example, chemotherapy and maternity are not covered.
Is this plan right for you?
It makes sense if...
- You currently have no health coverage and want to start with something predictable.
- You don't qualify for a subsidized ACA plan or have no Social Security number, but you do have an ITIN.
- You mostly use visits, telemedicine, and preventive care, and want to know exactly what you pay.
- You need to enroll now, outside the marketplace's open enrollment period.
It's not the right fit if...
- You have a serious or chronic condition that needs costly, ongoing treatment.
- You need chemotherapy or maternity coverage: these plans do not cover them.
- You qualify for an ACA plan with a solid subsidy (that's usually the more complete base).
- You're looking for comprehensive major medical insurance without per-service caps.
Free consultation
Talk to an advisor, free and in your language
Leave your info and a licensed advisor will contact you to review your options. No obligation.
- 100% free consultation, no obligation
- We help you in Spanish or English
- ITIN accepted — no Social Security number needed
- We reply within 24 hours
Tell us your case
Fill out the form and we will contact you for your free consultation.
Frequently asked questions
Is this the same as ACA or Obamacare?
No. It's a defined-benefit private plan, not an ACA marketplace plan or major medical insurance. It pays fixed amounts per service and does not meet the minimum essential coverage mandate.
Can I enroll even without a Social Security number?
Yes, many of these plans accept an ITIN (Individual Taxpayer Identification Number). An advisor confirms which options are available in your state.
What does this plan NOT cover?
It does not cover chemotherapy or maternity, and it applies per-service caps. Benefits and exclusions vary by state and insurer, so always review the plan summary.
Do I have to wait for a special period to enroll?
No. Enrollment is open all year, unlike the ACA marketplace, which has an open enrollment period with exceptions.
How does the telemedicine work?
You can talk to a doctor 24/7 with no copay, from your phone or computer. It's ideal for quick consultations without leaving home.
How do I know if this beats an ACA plan for me?
It depends on your situation, your documents, and your health. In a free consultation we compare both options honestly; if a subsidized ACA plan suits you better, we'll say so.
Educational content; not insurance, tax, or legal advice. These are defined-benefit private plans: they are not major medical insurance or an ACA (Affordable Care Act) marketplace plan, they do not meet the minimum essential coverage mandate, and they are not a substitute for major medical insurance. Availability, benefits, limits, and exclusions (including chemotherapy and maternity) vary by state and are subject to each insurer's underwriting and approval. Latin Prime Financial Group is an independent insurance agency serving Latino families in the U.S.
Ready to understand your health options?
No pressure, in your language: we explain what's covered, what isn't, and what truly fits your family.