Education

What is private health insurance — and is it right for you?

Private PPO coverage operates differently from marketplace plans. It rewards healthy applicants with better pricing and stronger benefits — but it's not for everyone. Here's everything you need to know.

Who Qualifies

Private coverage isn't for everyone.
That's the point.

Medically underwritten plans reward healthy individuals and families with sharper pricing and stronger benefits than the marketplace. Here's who benefits most.

Self-employed professional
01 — Self-Employed

The Independent Professional

Freelancers, 1099 contractors, and sole proprietors who need serious coverage without paying marketplace rates for subsidies they'll never receive. Premiums may be fully deductible.

Business owners
02 — Business Owners

The Owner-Operator

Small business owners and LLC operators looking for coverage that moves with them, not their employer. Private plans often outperform group plans for healthy individuals.

Family
03 — Families

The Family That Deserves More

Families paying full price for marketplace coverage often overpay for benefits that don't match their needs. Private PPO plans can offer stronger coverage at better rates for healthy families who qualify.

Why Private Coverage

What you gain when you exit the marketplace.

Private PPO plans aren't better for everyone. For healthy, income-independent individuals — the advantages are significant.

Nationwide PPO Access
Freedom to use any licensed provider in a broad national network — no referrals, no gatekeeper between you and a specialist.
No-Deductible Plan Options
First-dollar coverage structures with predictable costs — no surprise deductibles wiping out savings when you actually need care.
Rate Lock Features
Select plans include provisions for more predictable premium planning year over year — no annual surprise increases tied to marketplace shifts.
Tax-Deductible Premiums
For eligible self-employed clients, premiums may be 100% deductible — turning health coverage into a legitimate business expense.

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