---
title: "Private Health Plans for Under-65 Clients: The Agent's Complete Guide"
description: "Not every client qualifies for or wants ACA coverage. Private health plans offer alternatives for healthy, subsidy-ineligible clients."
url: https://unlockedcrm.ai/blog/private-health-plans-under-65-guide
canonical: https://unlockedcrm.ai/blog/private-health-plans-under-65-guide
category: "Health Insurance"
published: 2026-02-15
author: "Jacob Lock"
source: unLocked CRM — AI CRM for insurance agents
---

# Private Health Plans for Under-65 Clients: The Agent's Complete Guide

## TL;DR

Private health plans (STM, fixed indemnity, health sharing, gap) serve subsidy-ineligible under-65 clients. STM premiums 40–60% lower but exclude pre-existing conditions.

A significant segment of under-65 clients are better served by private (off-exchange) alternatives than ACA Marketplace plans.

## When Private Plans Make Sense

Clients earning above 400% FPL (~$62K individual) receive no ACA subsidies, making full-price plans expensive ($450–$950/month).

## Types of Private Health Plans

| Type | Premiums | Best For |
| --- | --- | --- |
| Short-Term Medical | 40–60% less than ACA | Healthy, gap coverage |
| Fixed Indemnity | $100–$250/month | Basic supplemental coverage |
| Health Sharing | $200–$500/month | Faith-based communities |
| Gap Insurance | $50–$150/month | High-deductible plan supplement |

## Compliance Guardrails

Never position as equivalent to ACA. Clearly disclose limitations. Document informed decisions. Check state regulations — several states restrict STM plans.

## FAQ

### Do private plans cover pre-existing conditions?

Generally no — the most significant difference from ACA plans.

## FAQ

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## Related

- https://unlockedcrm.ai/blog/aca-open-enrollment-ai-automation
- https://unlockedcrm.ai/blog/medicare-supplement-vs-advantage-agent-guide

---

Source: [Private Health Plans for Under-65 Clients: The Agent's Complete Guide](https://unlockedcrm.ai/blog/private-health-plans-under-65-guide) — unLocked CRM, the AI CRM built for insurance agents. Citation permitted with attribution and a link to https://unlockedcrm.ai/blog/private-health-plans-under-65-guide.