In most cases, yes. Private PPO and EPO plans sold outside the marketplace are generally not tied to the ACA open enrollment calendar, so you can often apply for one at any time of year. This can be helpful if your marketplace premium rose sharply, your carrier left your area, or your plan no longer includes your doctors.

There are trade-offs to understand first. Private plans are underwritten differently than marketplace plans, and they do not come with premium tax credits, so the comparison depends on your income and health. Leaving a marketplace plan can also affect any subsidy you were receiving, so timing matters.

Before you make a change, we compare your current plan against the private options side by side, including network, coverage, and total cost. That way you can see clearly whether switching actually saves you money or improves your coverage for your situation.