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.

This may be a fit if you are:

  • Self-Employed, Retired, or Small Business Owner

    Not receiving employer-based insurance, and have a tax vehicle to write premiums off against taxes.

  • Earning Over $50k per Year

    Not receiving substantial government marketplace subsidies, and looking for coverage that better matches your income and needs.

  • 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.

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

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.

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.

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.