01
Self-Employed, Retired, or Small Business Owner
Not receiving employer-based insurance, and have a tax vehicle to write premiums off against taxes.
Stronger Benefits, Affordable Rates
Stronger Benefits, Affordable Rates
Self-Employed, Retired, or Paying for Your Own Health Insurance?
You may qualify for private PPO coverage with stronger benefits and more affordable rates than Marketplace plans.
✓3-step eligibility check
✓One licensed advisor
✓No lead marketplace
Private PPO OptionsAvailability verified by ZIP
Simple Online CheckOnly three short steps
Licensed GuidanceOne advisor assigned to you
Personalized ReviewBuilt around your situation
Who it may fit
This may be a fit if you are:
02
Earning Over $50k per Year
Not receiving substantial government marketplace subsidies, and looking for coverage that better matches your income and needs.
03
In Relatively Good Health
Don't have major pre-existing health conditions (i.e. Cancer, Heart attack, Stroke), and open to a quick medical underwriting eligibility review.
Private coverage
Potential Advantages
For healthy individuals, private health insurance may offer a stronger alternative to marketplace coverage.
PPO Access
Freedom to use a broad Nationwide provider network, without referrals.
Pricing Efficiency
Medical underwriting can reward healthy applicants with stronger pricing.
Business-Owner Friendly
Premiums may be tax-deductible for eligible self-employed clients.
No-Deductible Options
Plan designs prioritize first-dollar benefits and predictable costs.
Rate Lock Features
Options designed for more predictable premium planning.
Broker Guided Service
Qualification, policy design, enrollment, and ongoing support through your private broker.
How it works
A clear path from estimate to coverage.
Get Your Quote
Use the calculator to get your estimate, then speak with a broker to verify eligibility.
Confirm Basic Fit
We review income, coverage needs, state availability, and health factors.
Compare Options
We help you compare private options alongside marketplace alternatives.
Apply if Qualified
We guide the application and help service the policy after enrollment.
Personal guidance matters
Why Private Coverage Requires a Broker
Private health insurance is different from marketplace coverage because it is medically underwritten. That means your eligibility and pricing are based on your health profile, not just your age, location, and income. For healthy clients, this can create access to stronger plan designs and more competitive premiums. A licensed broker is able to determine whether you qualify and which options are available.
✓Verify eligibility and state-specific availability.
✓Compare coverage and pricing across private options.
✓Build coverage around your budget and priorities.
See what may be available to you.
Start with your ZIP code. We will verify availability before asking anything else.