Health coverage that
actually covers you —
without the marketplace markup.
Private PPO plans for people who don't get coverage through an employer. A licensed advisor who actually picks up the phone walks you through your real options — then you decide.
- Pre-existing conditions covered
- Enroll any day of the year
- Broad nationwide PPO networks
- Keep your own doctor in most cases
Step 1 of 5
Let's find your coverage
Start with your state.
Plans from nationally recognized carriers
Carriers include UnitedHealthcare, Aetna, Cigna, Blue Cross Blue Shield, Humana, Anthem, Allstate Health, Oscar.
Stop overpaying for coverage that barely covers you.
What people actually pay
Unsubsidized bronze-tier premium, $5,000+ deductible.
$300/moUnderwritten PPO coverage for a healthy applicant.
Save ~$450/mo — that's over $5,400 a year back in your pocket.
Line by line
| Feature | Marketplace | The Better Health ChoiceBest 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 |
What the gap looks like over a year.
This scales the same $750-vs-$300 comparison by household size to show the kind of gap people find. A licensed advisor confirms what you actually qualify for.
Typical marketplace cost
$750/mo
Private PPO cost
$300/mo
Monthly difference
$450/mo
Over twelve months, that gap is
$5,400
Not a personal rate. Your actual premium depends on your age, state, health history and the plan you choose, and is confirmed by a licensed advisor.
Real options, real advisors, zero pressure.
We're an independent brokerage, which means we're not selling one carrier's product. We're helping you find the plan that fits — even when that means telling you to stay where you are.
Pre-existing conditions covered
Plenty of private plans turn people away. An advisor tells you straight which options will actually take your history, and which won't.
Enroll any day of the year
No six-week window, no waiting for November. If you need coverage in March, you can get coverage in March.
Broad nationwide PPO networks
Keep your own doctor in most cases, and stay covered when you travel or move states.
A person, not a portal
A licensed advisor who picks up the phone, explains the trade-offs in plain English, and tells you when a marketplace plan is genuinely the better deal for you.
Never sold to third parties
Your details stay with us. No lead resale and no surprise texts from six agencies.
No pressure, ever
Compare, ask questions, take a week to think. Nothing here signs you up for anything.
Three steps, and you're never locked into any of them.
If nobody hands you a benefits packet, this is for you.
Most of the people we help are self-employed, contract, seasonal or between jobs: the situations the group market was never built for.
Self-Employed
No employer plan, no group rate, and a marketplace premium that reads like rent.
See plans
Travel Nurses
Contracts end, states change, and coverage has to follow you.
See plans
Small Business Owners
Group plans priced for fifty people, not for five.
See plans
Gig Workers
Income moves month to month. Your premium shouldn't.
See plans
Realtors
Commission-based income, 1099 status, no group plan.
See plans
Early Retirees
Retired before 65, and Medicare is still years away.
See plans
Truckers
You're rarely in the state your plan's network covers.
See plans
Contractors & Trades
Physical work, no employer plan, and real injury risk.
See plansHover or tap your state to see what's available near you.
Pick your state to see the cities we cover, how private PPO options work there and what to ask before you enroll.
Pinch to zoom · drag to move
What people say after the call.
Real conversations with licensed advisors — including the ones that ended with us telling someone not to buy.
I was quoted $780 a month with a $7,000 deductible. My advisor found a PPO at about half that, and told me straight which of my prescriptions wouldn't be covered the same way. No runaround.
Marcus D.
Columbus, OH
I kept losing coverage between contracts. One nationwide PPO follows me across state lines now instead of re-enrolling every thirteen weeks.
Alyssa R.
Travel nurse, 3 states
Four years until Medicare and a COBRA bill over $1,400. They compared both paths, showed us where the private plan gave up ground, and let us decide.
Ken & Diane P.
Mesa, AZ
One phone call, no pressure, and nobody called me fifteen times afterward. That alone was worth it.
Tomás V.
San Antonio, TX
I run a two-person shop. My advisor laid out what I could actually afford per employee without pretending the cheap option was the good one.
Brianna S.
Charlotte, NC
Been driving twenty-two years and never understood my own plan until this call. Deductible went from $6,500 to $1,000.
Ray H.
Owner-operator, IA
I asked about a pre-existing condition expecting the usual dodge. I got a direct answer and the paperwork to back it up.
Nadia K.
Portland, OR
Commission income makes marketplace pricing a nightmare. This was the first time someone explained why, instead of just selling me something.
Greg M.
Realtor, Tampa, FL
My advisor told me I'd be better off on my husband's employer plan. They talked me out of buying. I'll send everyone I know here.
Cheryl A.
Boise, ID
Signed up in March, not during some six-week window. Telemedicine at $0 has already paid for itself twice.
Devon L.
Gig driver, Denver, CO
Same doctors, broader network, roughly $400 less a month. I kept waiting for the catch and asked about it three times.
Priya N.
Consultant, Chicago, IL
Family of five. What we were paying was genuinely hurting us. The call took about twenty minutes and changed the number completely.
Wade T.
Contractor, Bozeman, MT
I was quoted $780 a month with a $7,000 deductible. My advisor found a PPO at about half that, and told me straight which of my prescriptions wouldn't be covered the same way. No runaround.
Marcus D.
Columbus, OH
I kept losing coverage between contracts. One nationwide PPO follows me across state lines now instead of re-enrolling every thirteen weeks.
Alyssa R.
Travel nurse, 3 states
Four years until Medicare and a COBRA bill over $1,400. They compared both paths, showed us where the private plan gave up ground, and let us decide.
Ken & Diane P.
Mesa, AZ
One phone call, no pressure, and nobody called me fifteen times afterward. That alone was worth it.
Tomás V.
San Antonio, TX
I run a two-person shop. My advisor laid out what I could actually afford per employee without pretending the cheap option was the good one.
Brianna S.
Charlotte, NC
Been driving twenty-two years and never understood my own plan until this call. Deductible went from $6,500 to $1,000.
Ray H.
Owner-operator, IA
I asked about a pre-existing condition expecting the usual dodge. I got a direct answer and the paperwork to back it up.
Nadia K.
Portland, OR
Commission income makes marketplace pricing a nightmare. This was the first time someone explained why, instead of just selling me something.
Greg M.
Realtor, Tampa, FL
My advisor told me I'd be better off on my husband's employer plan. They talked me out of buying. I'll send everyone I know here.
Cheryl A.
Boise, ID
Signed up in March, not during some six-week window. Telemedicine at $0 has already paid for itself twice.
Devon L.
Gig driver, Denver, CO
Same doctors, broader network, roughly $400 less a month. I kept waiting for the catch and asked about it three times.
Priya N.
Consultant, Chicago, IL
Family of five. What we were paying was genuinely hurting us. The call took about twenty minutes and changed the number completely.
Wade T.
Contractor, Bozeman, MT
Thirty seconds now, or another year of paying for coverage you never use.
Four questions, a licensed advisor, and a straight answer about what you actually qualify for. No cost, no obligation, no pressure.
Secure & private. By submitting you agree to be contacted by a licensed advisor.
