An insurance brokerage that behaves like a reference desk.
The Better Health Choice exists for people the group market forgot — the self-employed, the between-jobs, the early-retired. We connect them to a licensed advisor and get out of the way.
- Pre-existing conditions covered
- Enroll any day of the year
- A licensed advisor, no pressure
- No cost to talk it through
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.
What a private PPO can do that most plans can't.
Pre-existing conditions covered
An advisor tells you straight which plans will take your health history.
Enroll any day of the year
No six-week window. Coverage can start when you need it to.
Broad nationwide PPO networks
Keep your own doctor in most cases and stay covered across state lines.
Never sold to third parties
Your details stay with us and are never resold.
Why this exists
If you don't get health coverage through an employer, the system assumes you'll figure it out yourself. Most people open the marketplace in November, see an unsubsidized bronze premium near $750 a month against a deductible north of $5,000, and conclude that being insured simply isn't affordable.
Sometimes that conclusion is correct. Often it isn't — it's that nobody showed them the other shelf. Private PPO plans sit outside the marketplace, are medically underwritten, and for a healthy applicant frequently cost a fraction of the unsubsidized price. They are not right for everyone, and pages that pretend otherwise are the reason this industry has the reputation it has.
So we built the site we'd want to land on: the comparison with the real numbers on it, the guides that name the cases where a different option wins, and a short form that reaches one licensed human who explains things plainly.
How we work
A real person, start to finish
Your details go to a licensed advisor and stop there. They are never resold to a network of agencies, so you get a conversation, not a flood of calls.
We say when we're the wrong answer
If you qualify for Medicaid or a meaningful ACA subsidy, that beats anything we offer, and your advisor will tell you so. It costs us a sale and it's still the right call.
No rates from a web page
This site never calculates your rate. No figure here is a personal rate. A real number comes from a licensed human after a real conversation.
Education before enrollment
Our guides explain the trade-offs of every option, including the ones we don't sell. Someone who understands their coverage makes a better decision and keeps it longer.
Three steps, and you're never locked in.
- 01
Tell us the basics
State, household, pre-existing conditions and timing. About thirty seconds — no SSN, no date of birth.
- 02
A licensed advisor reaches out
Real options, real costs and the honest trade-offs, in plain English.
- 03
You decide
Enroll if it fits, or don't. No cost to talk and no obligation at any point.
See what you actually qualify for.
Four questions, a licensed advisor, a straight answer. No cost, no obligation, no pressure.
Secure & private. By submitting you agree to be contacted by a licensed advisor.
Year-round enrollment
Private PPO plans are not tied to open enrollment.
Never sold
Your details are not passed to a lead list.
256-bit SSL encrypted
Your details are protected from the first click.
No cost, no obligation
Talking it through is free. You decide.
Step 1 of 5
Let's find your coverage