Last month, I sat across from Angela and Stephen, a couple in their early 60s who were paying over $1,500 per month for their ACA marketplace plan. They were frustrated, overwhelmed, and frankly, a bit desperate.
“We’re healthy people,” Angela told me, “but these premiums are eating up our retirement savings.”
What happened next is something I’ve seen hundreds of times working at ABC Insurance Group, but it still amazes me every time. Within 30 minutes, we found them a private U65 health insurance plan that maintained their doctor network while slashing their monthly premium by $483.
That’s $5,796 in annual savings — money now going back into their retirement fund instead of to an overpriced health plan.
This isn’t a rare exception. It’s a pattern I see every day, and it’s why I’m passionate about what we do at ABC Insurance Group. The secret? Most Americans don’t realize they have options beyond the ACA marketplace — options that could save them thousands while providing the coverage they actually need.
The Costly Misconception About Health Insurance
Many Americans believe they have only two choices: employer-sponsored insurance or an ACA marketplace plan. If you’re self-employed, an early retiree, or you’ve lost your workplace coverage, conventional wisdom says the marketplace is your only option.
This misconception is costing Americans billions in unnecessary premiums. What most people don’t know is that there’s an entire world of U65 health insurance plans (coverage for those under 65) that exist outside the government marketplace.
These private plans often provide more flexibility, lower premiums, and customized coverage options tailored to your specific health needs.
Why U65 Private Plans Can Offer Dramatic Savings
Working with clients daily, we’ve identified three main reasons why our U65 plans often deliver substantial savings:
- Customized Coverage – ACA plans must include all ten “essential health benefits” — whether you need them or not. A 60-year-old man is still paying for maternity coverage he’ll never use.
Private U65 plans can be tailored to include only what you actually need. - Flexible Networks – Many private plans offer broader provider networks or allow you to customize your network based on the doctors you actually visit, rather than paying for access to thousands of providers you’ll never see.
- Year-Round Enrollment – Unlike ACA plans with limited enrollment periods, many U65 options allow you to sign up anytime. This means you’re never forced to choose a plan under time pressure or wait months for coverage.Real Stories, Real Savings
Michael, a 45-year-old freelance graphic designer in Colorado, came to us paying $897 monthly for an ACA Silver plan with a $4,500 deductible. He rarely visited doctors except for his annual physical and occasional urgent care visits for minor issues.
After reviewing his actual healthcare usage, we found him a private plan for $412 monthly that covered his primary care physician, provided three urgent care visits annually with just a $50 copay, and included his two maintenance medications. His savings: $5,820 annually.
Linda and Robert, early retirees at 63, were paying over $2,100 monthly for their ACA Gold plan. They needed strong coverage but weren’t yet eligible for Medicare.
We found them a comprehensive private plan for $1,350 monthly that maintained access to all their specialists and covered their prescriptions. Their annual savings: $9,000.
Who Benefits Most from U65 Private Plans?
In my experience, these groups typically see the largest savings:
- Self-employed professionals who don’t qualify for significant ACA subsidies
- Early retirees (ages 55–64) not yet eligible for Medicare
- Healthy individuals who primarily need preventive care and catastrophic coverage
- Families paying separately for coverage outside of employer plans
- Part-time workers without access to employer-sponsored benefits
The Simple Process to Discover Your Savings
At ABC Insurance Group, we’ve simplified the savings process into three easy steps:
- Consultation
We review your current coverage, healthcare needs, and budget. - Comparison
Our licensed agents search multiple carriers to find plans that match your needs. - Verification
Before you decide, we verify your doctors are in-network and your medications are covered.
The entire process typically takes less than 30 minutes, and there’s no obligation to switch.
The Bottom Line
The $5,800 secret isn’t actually a secret — it’s simply knowledge that insurance companies and the marketplace don’t advertise. Private U65 health insurance plans exist, they’re legitimate, and for millions of Americans, they represent real savings opportunities.
As someone who helps people navigate these options every day, I can tell you: The relief on clients’ faces when they realize they can maintain quality coverage while saving hundreds monthly is the most rewarding part of my job.
If you’re paying more than $500 monthly for health insurance, you owe it to yourself to explore these options. The 30 minutes you spend could save you thousands this year alone.
At ABC Insurance Group, we’re committed to helping Americans find affordable health coverage that fits their actual needs — not what the marketplace decides they should have. Your health matters — but so does your financial well-being.
Ready to See How Much You Could Save?
At ABC Insurance Group, our mission is simple: help you protect your health and your finances. In just minutes, we can show you real options that could dramatically lower your premiums — without sacrificing the doctors, care, or peace of mind you deserve.
Schedule your free, no-obligation consultation today and find out how much you could be saving this year. Don’t leave your financial future to chance — take control of your health coverage and your savings now.
📞 Call us at (833) 810-5029
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