A good place to start

If you’re looking for coverage for yourself, you’re in the right place to ask questions. Let’s talk about what you need.

Start with the care that matters to you

Looking for your own coverage can be a very personal decision. Maybe you work independently, are between jobs, or simply need an option outside a family or employer policy. You can start with where you are today. I’ll help you understand the private options available through DBH and the questions worth asking before you decide.

Make a short list of the doctors, medications, and regular care you want to keep. Add where you spend your time and when you need coverage to begin. Your household situation doesn’t tell the whole story; your individual priorities do.

Make the monthly payment work for your life

Think about a monthly premium you can comfortably maintain, along with money you could put toward care. Compare regular expenses and the possibility of a more costly medical event. The goal is to understand how the policy works when you actually need it.

Private products can use different benefit structures. Ask about deductibles and cost sharing where applicable, or fixed benefits and payment limits for products that use them. A limit on the insurer’s payment is not necessarily a limit on your bill.

Know exactly what you are considering

Check the policy type, covered services, exclusions, and any underwriting requirements. Confirm provider participation using the exact product and network name. If you need medication, review its benefits separately rather than assuming it is included.

A private option may be worth exploring for a particular network, benefit design, or price. Those features need to be verified against your own needs. Acceptance, benefits, and effective dates depend on the policy; a quote does not mean coverage is active.

You can ask questions before choosing anything

You don’t need to pick a policy before reaching out. Bring what you know, tell me what feels unclear, and we can take it from there. My focus is private coverage outside the Marketplace. Employer benefits, Marketplace assistance, and public-program eligibility may be relevant alternatives to review separately.

If you have current coverage, confirm the approval and effective date of any replacement before ending it. Keep your policy documents and the answers you used to make your decision.

What to bring to our conversation

  • Your Arizona ZIP code and desired start date.
  • Doctors, medications, and care locations that matter to you.
  • Your current policy or the date employer benefits end.
  • A monthly budget and questions about what you might owe for care.

Questions you might have

Do I need a spouse or children to explore coverage?

No. You can explore coverage for yourself. The options available depend on the product and its eligibility rules.

Can I discuss accident, dental, or vision coverage too?

Yes. We can talk about accident and injury, dental, vision, and critical illness options. These have their own benefits, costs, and requirements and may involve separate policies.

Go straight to the source

Sources reviewed October 14, 2026. Rules, benefits, networks, and eligibility can change. This guide offers general education; it is not a quote, individualized recommendation, or guarantee of coverage. The insurer’s written policy and official eligibility determination govern your situation.

Next guide: Your private health coverage comparison checklist ↗