Can I enroll in private health insurance anytime?

Yes. Unlike Marketplace (ACA) plans that limit you to a short Open Enrollment window, the private PPO plans we compare can be applied for any time of year — so your coverage doesn't have to wait months to begin.

Are private health plans available in my state?

Private PPO plans are available in all 50 states, though the specific carriers, networks, and pricing vary by location and eligibility. A licensed agent will confirm exactly what's available where you live.

What is the difference between Marketplace and private PPO coverage?

Marketplace (ACA) plans are community-rated and can include income-based subsidies, but without a subsidy the premiums are often high and networks can be narrow. Private PPO plans are medically underwritten, frequently cost less for healthy applicants, offer broad nationwide networks, and enroll year-round. The best fit depends on your income, health, and how you use care.

Can self-employed people get private PPO plans?

Absolutely. The self-employed, freelancers, and 1099 contractors are exactly who these plans are built for. Because you don't have an employer plan, a private PPO can give you comprehensive coverage that fits variable income — with year-round enrollment and broad networks.

Is COBRA my only option after losing employer coverage?

No. COBRA lets you keep your old plan, but you pay the full premium plus a fee, which is often expensive. A private PPO plan can usually be put in place quickly for less — so many people leaving a job choose it instead of, or as a bridge from, COBRA.

How much does it cost to work with a licensed agent?

Nothing. Our guidance is completely free — we're compensated by the carriers, so you get expert, unbiased help and the same plan pricing you'd get going direct, with someone in your corner.

Is my information kept private?

Yes. Your details are encrypted and used only to match you with coverage and have a licensed agent follow up. We never sell your personal information.

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Individual Coverage

Personalized coverage solutions designed around your health goals and lifestyle.

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Flexible plans built to support families through every stage of life.

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Access more doctors, hospitals, and provider flexibility with PPO options.

Self-Employed Coverage

Smart healthcare solutions for freelancers and independent professionals.

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Additional protection options designed to give you extra peace of mind.

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Affordable group coverage solutions created for growing businesses and teams.

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Private PPO plans are available in all 50 states. Click your state on the map or search below.

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Straight answers on private PPO plans, enrollment, and how coverage works — so you can decide with confidence.

A private PPO (Preferred Provider Organization) plan is health coverage sold outside the government Marketplace. It uses a broad network of doctors and hospitals, lets you see specialists without referrals, and can be applied for year-round. For healthy individuals and families who don't qualify for a subsidy, a private PPO can offer comparable coverage to a Marketplace plan at a lower monthly premium.

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