Guide

Private plans or ACA? Know the difference.

Private PPO plans and ACA marketplace plans work very differently. Here is how to tell which one fits you.

How they differ

  • ACA plans must cover pre-existing conditions and essential health benefits
  • ACA plans can come with income-based savings
  • Private plans may offer different networks, deductibles or nationwide access
  • Private plans may consider your health history and may not cover everything an ACA plan does

Lower premium, lower cost?

Not always. A plan with a low monthly price can cost more over a year if you use care. Emily compares the full picture: premium, deductible, copays and out-of-pocket maximum.

Who tends to look at private plans

People who don't qualify for savings, who want specific doctors or a wider network, or who travel often. Emily explains what is and isn't covered before you decide.

South Florida

Rooted in South Florida. Here for you, nationwide.

Schedule a call with Emily

Questions

Plain answers, before you call.

All questions →
Are private plans available all year?

Some private plans can be purchased outside Open Enrollment. Emily can check what's available to you now.

Do private plans cover pre-existing conditions?

It depends on the plan. Read the details carefully; Emily walks through them with you.

Real Google reviews

What clients say about Emily

5.0 Google reviews
★★★★★
Emily was amazing at helping me find the best insurance not only was it affordable but also perfect for all my medications! … And on top of that she's bilingual so she was also able to help my parents with insurance as well!
Agustina G. Google review
★★★★★
I was able to find a health plan for me and my family for the best possible rate. The coverage I selected is extensive and I was amazed on the pricing.
Brandon V. Google review
★★★★★
She made the whole health insurance process super easy and stress-free. She explained everything in a way I could actually understand and helped me find a plan that fit my needs and budget perfectly.
Diogo Y. Google review
★★★★★
Emily and her team make the process extremely easy. With years of experience and industry insights, her and her team were able to find us a great plan that was affordable and included all that we were looking for.
Simbario Investments Google review
★★★★★
She took the time to understand my needs, explained every option clearly, and made the entire process stress-free. Her professionalism, patience, and genuine care truly set her apart.
Brandon M. Local Guide
★★★★★
Great experience working with Emily. She's knowledgeable, patient, and really cares about helping you get the right coverage.
M. Lozano Google review
★★★★★
Emily Daza helped me find a health care plan that worked for me and was exactly what I was looking for and needed. She made the process so smooth and easy.
Alison L. Google review
★★★★★
Emily helped me right away and made everything simple. Super professional and easy to work with.
Madcap Google review

Messages from clients

Real texts and emails clients sent Emily, shared on her Instagram.

Amazing, I have them. Thank you so much for your quick response with this.
Text from a client
Thank you for all your help and everything you've done to get us our new health insurance. Very much appreciated!
Text from a client family
Thank you so much. You have been a great agent.
Email from Michael
Sounds so awesome! Thank you Emily you are amazing!
Text from a client

Book a free consultation

Affordable health coverage, tailored to you.

Pick a time that works for you and Emily or someone on her team will call you. Bring your questions; leave with a plan built around your needs and budget.

  • A free call, no obligation
  • By phone or video, in English or Spanish
  • Clients nationwide, based in Plantation, FL

Loading Emily's calendar…

Open the calendar

Free plan review

Get your free plan review

Emily's team compares private plans and comes back with your best options. Free, no obligation, never sold or shared.

  1. 1Answer 5 quick questions
  2. 2Get a call or text
  3. 3See your best plans

You talk to Emily directly, and her team answers fast.

Open Enrollment 2027 prices are changing.

Step 1 of 5

Private & secure

    Who needs coverage?
    What best describes your work?
    Where do you live, and how many people?

    Plans and prices change by county.

    What matters most to you?

    Emily's team uses this to shortlist plans for you.

    Where should Emily reach you?

    This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.