The long answers, written plainly.
Three guides that cover most of what people need before they talk to anyone. No sales pitch inside — including the parts where a different option beats ours.
- 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.
12 min read
The Complete Guide to Private Health Insurance
What private PPO coverage is, how it differs from the ACA Marketplace, who it suits, what it costs, and how underwriting actually works.
Read the guide8 min read
How to Choose a Health Plan Without Guessing
A practical order of operations for comparing health plans: what to check first, which numbers matter, and the traps that cost people the most.
Read the guide9 min read
The Self-Employed Health Insurance Guide
How freelancers, contractors and business owners actually get covered — the four options, the tax deduction, and what to do about variable income.
Read the guidePick the guide that matches your week.
If you’re
leaving a job
Your coverage clock starts on your last day. Know the COBRA and marketplace windows before you compare anything else.
See your optionsIf you’re
working for yourself
Uneven income changes the subsidy math. Start with the guide written for freelancers, contractors and owners.
Read the self-employed guideIf you’re
comparing plans now
Check networks, the out-of-pocket max and prescriptions in that order. The rest follows from those three.
Read the how-to-choose guideSix words that decide what you pay.
Premium
What you pay every month to keep the plan, whether you use it or not.
Deductible
What you pay for covered care each year before the plan starts sharing costs.
Out-of-pocket max
The most you'd pay for covered care in a year. After that, the plan pays the rest.
Co-insurance
Your percentage of a bill after the deductible, such as 20% of a hospital stay.
PPO network
A broad list of doctors you can see without a referral, with some out-of-network coverage.
Underwriting
The health review a private plan uses to decide approval and price. Marketplace plans skip it.
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