Every option, with its real trade-offs.
We sell private PPO coverage, and we will still tell you when something else fits you better. Each page below lays out both sides plainly, including the situations where we are the wrong answer.
Private PPO vs. ACA Marketplace Plans
An honest side-by-side of private PPO coverage and ACA Marketplace plans — including when the Marketplace is clearly the better choice.
Read the comparisonPrivate PPO vs. COBRA Coverage
COBRA keeps the exact plan you had — at the full unsubsidized cost. Here is when that is worth it and when it is not.
Read the comparisonPrivate PPO vs. Short-Term Health Plans
Short-term medical is cheap for a reason. What it actually covers, what it does not, and when the cheap option is the right one.
Read the comparisonPrivate PPO vs. Health Sharing Plans
Health sharing is not insurance and is not legally obligated to pay. What that means in practice.
Read the comparisonPrivate PPO vs. HMO Plans
The difference is network freedom and referrals. Here is what that costs and what it buys.
Read the comparisonLosing Employer Coverage: Your Options
Laid off, quit, or had your hours cut? Every option you have, including the ones that cost us nothing.
Read the comparison
The right plan is the one that fits your year.
A premium is only half the picture. The deductible, the out-of-pocket maximum and whether your doctors are in network decide what a plan really costs you.
Read the comparisons with the person you share the bills with, then bring your questions to the call.
- Add premium and deductible for a worst-case year
- List the doctors and prescriptions you rely on
- Note when you need coverage to start
If your household income qualifies you for a substantial ACA premium tax credit, or for Medicaid, that is almost always the cheaper route — and a licensed advisor will say so on the call rather than sell you something worse.
If any of this sounds familiar, the review is worth thirty seconds.
You are not obliged to switch anything. Plenty of people finish the call knowing their current plan is the right one — that is a useful outcome too.
You just lost employer coverage
COBRA hands you the full unsubsidized premium. There is usually a cheaper route, and you can start it this week.
You are self-employed and paying retail
No group plan behind you means the Marketplace charges you full freight unless your income qualifies for a subsidy.
Your deductible is so high the plan never pays
A $9,000 deductible on a $750 premium is catastrophic cover at comprehensive prices. Compare it honestly.
You retired before 65
The gap between leaving work and Medicare is the most expensive stretch of coverage most people ever buy.
Real options, real advisors, zero pressure.
One advisor, not a call centre
Your details go to a single licensed advisor who calls you back. No queue, no rotating reps, no list resold to twenty agencies.
Underwritten, so healthy applicants pay less
Private PPO plans are medically underwritten. If you are in reasonable health, that is usually the difference between $750 and $300.
Keep your doctors
Broad nationwide PPO networks rather than a narrow local HMO. Check your doctor before you enroll, not after.
Enroll any day of the year
No six-week window. If you lose employer coverage in March, you are not stuck waiting until November.
We will tell you when to walk away
If a subsidized Marketplace plan or Medicaid is genuinely better for your household, the advisor says so. That honesty is the whole business.
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.
Find out what you actually qualify for.
Thirty seconds now, one call back from one licensed advisor, and a clear answer either way.
Secure & private. By submitting you agree to be contacted by one licensed advisor.
