Private health insurance and PPO plans — off the Marketplace
If your income is above the subsidy cliff, a Marketplace plan can mean paying full price for a narrow network. Private off-exchange PPO plans often deliver broader doctor access for less. We compare both honestly.
Broader networks
Built for subsidy-cliff households
Any-doctor flexibility
Start with your ZIP code
Takes about 2 minutes · Your information stays private
We never sell or pass along your information. Your request is handled only by our in-house licensed agents.
We never sell or pass along your information. Your request is handled only by our in-house licensed agents.
How it works
Tell us about your household
60 seconds online, or skip the form and call. We only ask what's needed to price plans accurately.
Compare real prices
A licensed agent in your state pulls live rates — including any ACA subsidy you qualify for — and explains the tradeoffs in plain English.
Enroll when you're ready
Same-day enrollment is available on most plans. No pressure, and our help costs you nothing — carriers pay us.
What a licensed agent does for you here
Broader networks
Nationwide PPO networks suit travelers, multi-state households, and anyone unwilling to change physicians.
Built for subsidy-cliff households
Households above 400% of the federal poverty level get no premium tax credit — the group hit hardest in 2026.
Any-doctor flexibility
PPO plans typically let you see specialists without a referral and keep out-of-network options open.
We still check ACA first
If you would qualify for a subsidy, we say so. Sending a subsidy-eligible household off-exchange is not doing you a favor.
Common questions
Prefer to talk it through?
Licensed agents answer in under 30 seconds. Mon–Fri 8am–8pm ET.
Call (855) 395-5001
