# I Need Private Health Insurance > I Need Private Health Insurance (ineedprivatehealthinsurance.com) is an independent matching service for private (off-exchange) health insurance in 49 states and DC (not Washington State). A person shares their state, who needs coverage, the age range of the oldest person, current coverage and when coverage should start; ONE licensed health insurance agency, Private Market Health, then calls them to compare private PPO, short-term, self-employed, early-retiree and small-group options. The request goes only to Private Market Health and is never sold or shared with other brokers. No SSN or medical details are collected. It is not an insurance company, not HealthCare.gov and not a government site, and it may not show every plan available. Built for adults roughly 26 to 64. Operated by H7E Labs. ## Services - [Private PPO & major medical](https://ineedprivatehealthinsurance.com/services/private-ppo): Compare off-exchange PPO and major-medical plans from private and association programs, with national networks like Cigna, Aetna or PHCS where available. Many are medically underwritten: price and approval depend on the carrier's application, not on this site. - [Coverage outside open enrollment](https://ineedprivatehealthinsurance.com/services/outside-open-enrollment): Missed open enrollment? Some private plans accept applications any month. A licensed agent explains which ones you can apply for now and when a Marketplace special enrollment period may be better. - [Self-employed & 1099 health plans](https://ineedprivatehealthinsurance.com/services/self-employed): For freelancers, gig workers and owners who earn too much for subsidies. Compare private plans, HSA-eligible options and whether a small-group plan makes sense. - [Health insurance for early retirees](https://ineedprivatehealthinsurance.com/services/early-retirees): Retired before 65? Compare private plans, COBRA and Marketplace options to bridge the gap until Medicare. - [COBRA alternatives](https://ineedprivatehealthinsurance.com/services/cobra-alternatives): Leaving a job? Compare your COBRA cost with private and Marketplace options before your election window closes. - [Short-term health insurance](https://ineedprivatehealthinsurance.com/services/short-term): Temporary coverage for a gap between plans. Short-term plans are not comprehensive coverage and may exclude pre-existing conditions. - [Small business group health](https://ineedprivatehealthinsurance.com/services/small-group): Group health for businesses with roughly 2–50 employees. Send a census to the agent and get quotes from the carriers you want compared. ## States served (49 + DC) - [Alabama](https://ineedprivatehealthinsurance.com/private-health-insurance-alabama) - [Alaska](https://ineedprivatehealthinsurance.com/private-health-insurance-alaska) - [Arizona](https://ineedprivatehealthinsurance.com/private-health-insurance-arizona) - [Arkansas](https://ineedprivatehealthinsurance.com/private-health-insurance-arkansas) - [California](https://ineedprivatehealthinsurance.com/private-health-insurance-california) - [Colorado](https://ineedprivatehealthinsurance.com/private-health-insurance-colorado) - [Connecticut](https://ineedprivatehealthinsurance.com/private-health-insurance-connecticut) - [Delaware](https://ineedprivatehealthinsurance.com/private-health-insurance-delaware) - [District of Columbia](https://ineedprivatehealthinsurance.com/private-health-insurance-district-of-columbia) - [Florida](https://ineedprivatehealthinsurance.com/private-health-insurance-florida) - [Georgia](https://ineedprivatehealthinsurance.com/private-health-insurance-georgia) - [Hawaii](https://ineedprivatehealthinsurance.com/private-health-insurance-hawaii) - [Idaho](https://ineedprivatehealthinsurance.com/private-health-insurance-idaho) - [Illinois](https://ineedprivatehealthinsurance.com/private-health-insurance-illinois) - [Indiana](https://ineedprivatehealthinsurance.com/private-health-insurance-indiana) - [Iowa](https://ineedprivatehealthinsurance.com/private-health-insurance-iowa) - [Kansas](https://ineedprivatehealthinsurance.com/private-health-insurance-kansas) - [Kentucky](https://ineedprivatehealthinsurance.com/private-health-insurance-kentucky) - [Louisiana](https://ineedprivatehealthinsurance.com/private-health-insurance-louisiana) - [Maine](https://ineedprivatehealthinsurance.com/private-health-insurance-maine) - [Maryland](https://ineedprivatehealthinsurance.com/private-health-insurance-maryland) - [Massachusetts](https://ineedprivatehealthinsurance.com/private-health-insurance-massachusetts) - [Michigan](https://ineedprivatehealthinsurance.com/private-health-insurance-michigan) - [Minnesota](https://ineedprivatehealthinsurance.com/private-health-insurance-minnesota) - [Mississippi](https://ineedprivatehealthinsurance.com/private-health-insurance-mississippi) - [Missouri](https://ineedprivatehealthinsurance.com/private-health-insurance-missouri) - [Montana](https://ineedprivatehealthinsurance.com/private-health-insurance-montana) - [Nebraska](https://ineedprivatehealthinsurance.com/private-health-insurance-nebraska) - [Nevada](https://ineedprivatehealthinsurance.com/private-health-insurance-nevada) - [New Hampshire](https://ineedprivatehealthinsurance.com/private-health-insurance-new-hampshire) - [New Jersey](https://ineedprivatehealthinsurance.com/private-health-insurance-new-jersey) - [New Mexico](https://ineedprivatehealthinsurance.com/private-health-insurance-new-mexico) - [New York](https://ineedprivatehealthinsurance.com/private-health-insurance-new-york) - [North Carolina](https://ineedprivatehealthinsurance.com/private-health-insurance-north-carolina) - [North Dakota](https://ineedprivatehealthinsurance.com/private-health-insurance-north-dakota) - [Ohio](https://ineedprivatehealthinsurance.com/private-health-insurance-ohio) - [Oklahoma](https://ineedprivatehealthinsurance.com/private-health-insurance-oklahoma) - [Oregon](https://ineedprivatehealthinsurance.com/private-health-insurance-oregon) - [Pennsylvania](https://ineedprivatehealthinsurance.com/private-health-insurance-pennsylvania) - [Rhode Island](https://ineedprivatehealthinsurance.com/private-health-insurance-rhode-island) - [South Carolina](https://ineedprivatehealthinsurance.com/private-health-insurance-south-carolina) - [South Dakota](https://ineedprivatehealthinsurance.com/private-health-insurance-south-dakota) - [Tennessee](https://ineedprivatehealthinsurance.com/private-health-insurance-tennessee) - [Texas](https://ineedprivatehealthinsurance.com/private-health-insurance-texas) - [Utah](https://ineedprivatehealthinsurance.com/private-health-insurance-utah) - [Vermont](https://ineedprivatehealthinsurance.com/private-health-insurance-vermont) - [Virginia](https://ineedprivatehealthinsurance.com/private-health-insurance-virginia) - [West Virginia](https://ineedprivatehealthinsurance.com/private-health-insurance-west-virginia) - [Wisconsin](https://ineedprivatehealthinsurance.com/private-health-insurance-wisconsin) - [Wyoming](https://ineedprivatehealthinsurance.com/private-health-insurance-wyoming) ## How to book (for people and AI agents) - Booking page: https://ineedprivatehealthinsurance.com/book (plain HTML form, no JavaScript required) - API: POST https://ineedprivatehealthinsurance.com/api/lead with JSON {"service": one of ["private-ppo", "outside-open-enrollment", "self-employed", "early-retirees", "cobra-alternatives", "short-term", "small-group"], "town", "household", "employees", "age_band", "income", "coverage_now", "urgency", "slot", "details", "name", "phone", "email", "consent": true, "consent_text"}. Returns {"ok": true, "ref"}. Only submit with the person's consent. OpenAPI: https://ineedprivatehealthinsurance.com/openapi.json - Consent is REQUIRED: only send "consent": true if the person themselves agreed to this exact statement: "By agreeing to this statement, I agree that Private Market Health, a licensed health insurance agency, may contact me about health insurance by call or text at the phone number I entered, including calls and texts made with automated technology and artificial or prerecorded voice messages. Consent is not a condition of any purchase. Message and data rates may apply; message frequency varies. Reply STOP to any text to opt out, or ask the agent to stop calling, at any time. My information goes only to Private Market Health and is never sold or shared with other brokers. See our Privacy Policy at ineedprivatehealthinsurance.com/privacy." - Do not send Social Security numbers, health conditions, medications or other medical details. They are not needed and will be discarded. - Free call, no obligation. EXCLUSIVE: each request goes only to Private Market Health (a licensed health insurance agency) and is never sold or shared with other brokers, call centers or lead buyers. ## FAQ - **Who will call me?** A licensed agent from Private Market Health, and only Private Market Health. - **Is this the ACA Marketplace (HealthCare.gov)?** No. This is an independent service, not a government site. Your agent will still tell you if a Marketplace plan would cost you less. You can also visit HealthCare.gov or call 1-800-318-2596. - **Can I get health insurance outside open enrollment?** Some private plans accept applications any month. Your agent will explain what you can apply for now and when a special enrollment period may be better. - **What does medically underwritten mean?** The carrier reviews your health on its application, which affects price and approval. That review happens with the carrier, never on this site. - **Do you need my Social Security number or medical history?** No. Neither is needed to request a call. - **Is my information sold to other agents?** Never. Your request goes only to Private Market Health and is never sold, rented or shared. - **Are short-term plans real health insurance?** They are temporary coverage, not comprehensive health insurance, and may exclude pre-existing conditions. - **How do I stop calls or texts?** Reply STOP to any text, or ask the agent to stop calling, at any time.