Lower premiums. Same doctors. Pre-existing conditions covered.
Compare private PPO plans against what you are paying now. A licensed advisor reviews your details and calls you back with real options. No pressure, ever.
Nationwide PPO networks — keep your doctors
Deductibles as low as $0
Enroll any day of the year
One licensed advisor calls — never a call center
Free coverage reviewLicensed advisors in all 50 states
Progress: Step 1 of 5
Let's find your coverage
Start with your state.
No login, no Social Security number, and we never ask about your income.
Secure & confidentialTakes about 30 seconds
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States with licensed advisors
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Potential annual saving, in dollars
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To finish the review
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Advisor calls you — never a call center
Carriers We Compare
Plans from the names you already trust.
Plans are offered by nationally recognized insurance carriers. We do not issue or underwrite insurance. Carrier availability varies by state, eligibility and plan type; logos are shown to indicate the private market we compare and imply no endorsement.
The Honest Comparison
Stop overpaying for coverage that barely covers you.
Same doctors, same hospitals, a fraction of the premium. Here is the side-by-side, with the numbers we would show a friend.
Underwritten PPO coverage for a healthy applicant.
Pre-existing conditions covered
Save ~$450/mo — that’s over $5,400 a year back in your pocket.
Actual rates depend on age, location, health and the plan selected.
Feature comparison between a typical Marketplace plan and America Healthcare Plans
Feature
Marketplace
VSBest Value
Monthly premium
$750/mo
$300/mo
Deductible
$5,000–$9,000+
As low as $0
Telemedicine
~$50 a visit
Often $0
Doctor & specialist visits
$50+ copays
Low or $0 copays
Out-of-pocket max
$18,000+
~$3,000
Co-insurance
Often 40% on you
Up to 100% covered
Doctor networks
Narrow local HMOs
Broad nationwide PPOs
Enrollment window
6 weeks a year
Any day of the year
Pre-existing conditions covered
Savings Estimator
What the gap could look like for a household like yours.
Uses the same $750 versus $300 figures from the comparison, scaled by household size. Only a licensed advisor who has your details can tell you what you would actually pay.
Your household
Household size
$200$2,400
Pre-existing conditions covered
Broad nationwide PPO networks
Enroll any day of the year
One licensed advisor calls you
Your estimate
What you pay now
$750/mo
Private PPO, 1 person
$300/mo
Potential difference
$5,400
a year — about $450 a month
Not a price offer or an offer of coverage. Actual rates depend on age, location, household size, health history and the plan selected.
How It Works
Three steps, and you are in control of all three.
01
02
03
Step one · about 30 seconds
Four quick answers. No SSN, no date of birth.
State only, never your ZIP. Your details go to one licensed advisor and nobody else.
Your free review
Household
1234+
Pre-existing conditions
YesNo
When
Now30 daysComparing
All 50 States
Hover or tap your state.
We work with licensed advisors in every state. Availability, carriers and plan designs differ by state, so the page for yours is the place to start.
“I was paying $690 a month for a plan with a $7,000 deductible. The advisor found a PPO my cardiologist already takes, and I stopped dreading the renewal letter.”
Self-employed contractor, 47 · Texas
5.0
“COBRA wanted $1,180 a month for the two of us. The call took twenty minutes and I understood my options for the first time in years.”
Recently laid off, 52 · Ohio
5.0
“He told me my income meant a subsidized Marketplace plan would beat anything he could sell me. I did not expect that from a phone call about insurance.”
Part-time seasonal worker, 34 · Oregon
5.0
“I was paying $690 a month for a plan with a $7,000 deductible. The advisor found a PPO my cardiologist already takes, and I stopped dreading the renewal letter.”
Self-employed contractor, 47 · Texas
5.0
“COBRA wanted $1,180 a month for the two of us. The call took twenty minutes and I understood my options for the first time in years.”
Recently laid off, 52 · Ohio
5.0
“He told me my income meant a subsidized Marketplace plan would beat anything he could sell me. I did not expect that from a phone call about insurance.”
Part-time seasonal worker, 34 · Oregon
5.0
“Three states in eighteen months on travel contracts. The thing I needed was a network that did not end at the county line, and that is what we talked about.”
Travel nurse, 31 · Arizona
5.0
“I run a four-person shop. We went through what a group plan would cost versus individual coverage, and he was straight that the group route made no sense at our size.”
Small business owner, 44 · North Carolina
5.0
“Retired at 61 and the gap to Medicare looked like the most expensive four years of my life. It is still not cheap, but it is roughly half what I had budgeted.”
Early retiree, 61 · Florida
5.0
“Nobody asked for my Social Security number or my income. Four questions, then a real person called. That alone put me at ease.”
Rideshare driver, 29 · Nevada
5.0
“My wife has a thyroid condition, so I assumed underwritten meant declined. The advisor explained what carriers actually do with that, and we went in with our eyes open.”
Owner-operator, 50 · Tennessee
5.0
“I called in March after leaving my job. I had no idea you could start coverage outside open enrollment until somebody said it plainly.”
Marketing consultant, 38 · Illinois
5.0
“Two kids, and our old plan meant $50 every time one of them had an ear infection. Low copays were the whole point for us.”
Family of four, 41 · Georgia
5.0
“He walked me through the out-of-pocket maximum line by line. That number was the one I had never understood, and it is the one that actually matters.”
Restaurant manager, 36 · Colorado
5.0
“I said I wanted to think about it. There was no second call, no email campaign, nothing. I rang them back a fortnight later myself.”
Framing contractor, 45 · Idaho
5.0
“I was paying $690 a month for a plan with a $7,000 deductible. The advisor found a PPO my cardiologist already takes, and I stopped dreading the renewal letter.”
Self-employed contractor, 47 · Texas
5.0
“COBRA wanted $1,180 a month for the two of us. The call took twenty minutes and I understood my options for the first time in years.”
Recently laid off, 52 · Ohio
5.0
“He told me my income meant a subsidized Marketplace plan would beat anything he could sell me. I did not expect that from a phone call about insurance.”
Part-time seasonal worker, 34 · Oregon
5.0
“Three states in eighteen months on travel contracts. The thing I needed was a network that did not end at the county line, and that is what we talked about.”
Travel nurse, 31 · Arizona
5.0
“I run a four-person shop. We went through what a group plan would cost versus individual coverage, and he was straight that the group route made no sense at our size.”
Small business owner, 44 · North Carolina
5.0
“Retired at 61 and the gap to Medicare looked like the most expensive four years of my life. It is still not cheap, but it is roughly half what I had budgeted.”
Early retiree, 61 · Florida
5.0
“Nobody asked for my Social Security number or my income. Four questions, then a real person called. That alone put me at ease.”
Rideshare driver, 29 · Nevada
5.0
“My wife has a thyroid condition, so I assumed underwritten meant declined. The advisor explained what carriers actually do with that, and we went in with our eyes open.”
Owner-operator, 50 · Tennessee
5.0
“I called in March after leaving my job. I had no idea you could start coverage outside open enrollment until somebody said it plainly.”
Marketing consultant, 38 · Illinois
5.0
“Two kids, and our old plan meant $50 every time one of them had an ear infection. Low copays were the whole point for us.”
Family of four, 41 · Georgia
5.0
“He walked me through the out-of-pocket maximum line by line. That number was the one I had never understood, and it is the one that actually matters.”
Restaurant manager, 36 · Colorado
5.0
“I said I wanted to think about it. There was no second call, no email campaign, nothing. I rang them back a fortnight later myself.”
Framing contractor, 45 · Idaho
Your Free Review
Find out what you actually qualify for.
Thirty seconds now, one call back from one licensed advisor, and a clear answer either way.
