Licensed in North Carolina · Independent · 30+ carriers
Make too much for a HealthCare.gov subsidy? Healthy? There's a second market — private PPO plans on the Cigna, Aetna and PHCS PPO networks, priced on your health instead of your income. We quote both and tell you which fits.
Takes about 60 seconds. Both markets, one call.
markets we quote — most agents only show you one
typical savings for healthy people above the subsidy line
private plan enrollment — no waiting for November
to see both options for your ZIP
1. Do you qualify for a subsidy? 2. Are you healthy?
| HealthCare.gov (ACA) | Private shared-network | |
|---|---|---|
| Priced on | Household income | Age + health |
| Health questions | None — everyone accepted | Short questionnaire, no exam |
| Pre-existing conditions | Covered | Can be declined or excluded |
| When to enroll | Nov 1 – Jan 15, or life event | Any month, start on the 1st |
| Network | Often HMO / local | National PPO (Cigna, Aetna and PHCS PPO) |
| Best fit | Subsidy-eligible, any health | Healthy, above the subsidy line |
Subsidy → marketplace. No subsidy + healthy → private. Not healthy → marketplace. We show both and let the numbers decide.
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60-second form. ZIP, household, income range, health basics.
A licensed agent runs HealthCare.gov and the private market for your situation and shows you side by side.
Online application, e-signature, approval usually in 24–48 hours. Nothing drafts until your start date.
Real Google reviews of Lyons Life, the brand behind North Carolina Private Health.
“Super responsive, knowledgeable, and really took the time to explain the different health plan options and help me understand what made the most sense. I highly recommend him and will definitely be referring friends and family!”
Suzannah Hagan“As a business owner, Marty is the most honest, trustworthy, and genuine professional you will find. Lyons Life is about taking care of you and your family, nothing more. You're in good hands — 10/10 recommend!”
Ari Sohn“Martin was amazingly helpful in securing the plan that fits my needs. He took me through all of the steps, presented options and has been there to answer all of my questions. I would highly recommend Martin to anybody looking to purchase an individual or family health insurance plan.”
Bret Pearlman“I had such a great experience working with Marty! He was extremely helpful in getting my insurance set up and made the entire process so easy and stress-free. He was knowledgeable, responsive, and took the time to answer all of my questions.”
Liora Blumenfeld5.0 rating from Lyons Life clients on Google · Read all reviews
No. North Carolina Private Health is a DBA of Lyons Life LLC; insurance is offered by Martin Elefant, an independent licensed agent. We help you compare HealthCare.gov plans and private plans; we are not affiliated with any government agency.
A medically underwritten major-medical plan sold outside the marketplace by a carrier that leases a national PPO network (Cigna, Aetna and PHCS PPO). It's priced on age and health rather than income, enrolls any month, and is month to month.
Anyone who qualifies for a HealthCare.gov subsidy, and anyone with a serious pre-existing condition. Private plans can decline or exclude conditions; the marketplace can't. We'll tell you if that's you.
For a healthy individual, roughly $290–$600 a month depending on age and deductible; families roughly $800–$1,300. See live pricing on our quoting tool.
Private plans: any month — apply by the 20th for the 1st. Marketplace: November 1 – January 15, or within 60 days of a qualifying life event.
Both markets, one call, no obligation. Or call (561) 363-7776.
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