Mike Jones
Regional Manager
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NPN #3062257

Public vs.
Private Exchanges What's the Difference


Public exchanges are operated by either your local State government or the Federal government.  Public exchanges are staffed by navigators who will attempt to help you fill out the applications for subsidized and non-subsidized plans.  Navigators are prohibited by Federal law from advising you on specific health plans and helping you make a decision as to which plan best fits your situation.   You may or may not get the same navigator when you call back to a specific exchange and thus may or may not get the same guidance.  Public exchanges will have a limited selection of policies with some insurance companies opting not to participate in the public exchange process.

Private exchanges on the other hand are operated and staffed by licensed, experienced health insurance agents.  They are required by law to have all the products and services available on the public exchange for a given state.  In addition, private exchanges include additional ACA compatible plans as well as non-ACA compatible options that may prove to be more cost effective for you and your family.  

Pricing for the insurance policies is exactly the same whether you buy it from a public or private exchange.  You never pay extra to use a private exchange and you have more options from which to choose.  You also maintain contact with the same licensed insurance agent all the way through the process, so there is no confusion as to what plans best fit you and your family.

Through a private exchange you have access to licensed, experienced health insurance agents in all 50 States with years of insurance background to help you pick exactly the right plan that fits you and your family’s needs.