Private, medically underwritten PPO plans that give you real access — any doctor, no referrals, no government marketplace restrictions. Designed for 1099 contractors, business owners, and high earners who expect more.
ACA marketplace plans are built for a one-size-fits-all system. If you're self-employed, healthy, and earning well — you're likely overpaying for coverage you don't need. We specialize in private PPO plans that reward your health profile.
Sole proprietors, LLC owners, and entrepreneurs who don't have access to group benefits — and refuse to pay ACA prices for network-restricted plans.
Freelancers, consultants, and gig professionals who need real coverage between contracts — not a watered-down plan that disappears when you need it most.
W-2 earners above ACA subsidy thresholds, commission-based professionals, and executives who qualify for better rates through medical underwriting.
Recently left a corporate job or COBRA is running out? Get a real plan with real coverage — not a short-term junk plan that denies claims.
The original 1099 workforce — you know better than anyone how commissions fluctuate. Get coverage that doesn't disappear when your income does.
If you're in good health, medical underwriting often means significantly lower premiums. Stop subsidizing others — get priced on your own health profile.
ACA plans are designed for broad enrollment pools. Private PPO plans are underwritten individually — which means healthier people often pay dramatically less for dramatically more flexibility.
True PPO access means you choose your specialists directly — no gatekeeping, no waiting for referrals, no surprise out-of-network bills.
Medical underwriting prices you individually — not based on the risk pool. Healthy individuals routinely save 20–50% vs. ACA alternatives.
Whether you're in Tampa, New York, or closing a deal in Denver — your coverage works anywhere in the country.
| Feature | Private PPO | ACA Plan |
|---|---|---|
| Choose any doctor | ✓ | ✗ |
| No referrals needed | ✓ | ✗ |
| Nationwide coverage | ✓ | ✗ |
| Priced on your health | ✓ | ✗ |
| Flexible enrollment | ✓ | ✗ |
| Lower premiums (healthy) | ✓ | ✗ |
| No government subsidies needed | ✓ | ✗ |
Fill out the quick form above or call directly. Takes under 2 minutes — no SSN, no commitment.
A licensed agent (not a script reader) reviews your situation and walks you through your real options.
We quote multiple carriers side-by-side — premiums, deductibles, networks, and real cost comparisons.
If you find the right fit, coverage can begin within days. No waiting for open enrollment windows.
I was paying $680/month on an ACA plan I barely used. Kyle got me a PPO with better benefits for $390. The process was completely painless — he knew his stuff and never pushed me into anything.
As a 1099 consultant I dreaded health insurance every year. Kyle explained the difference between private PPO and marketplace plans better than anyone I'd spoken to — and saved me real money.
Left my corporate job and COBRA was $1,400/month for my family. Kyle found us a private PPO for $890 with nationwide coverage. Wish I'd called him two months earlier.
A 15-minute consultation with a licensed agent costs nothing. Most clients find out they qualify for significantly better coverage at a lower premium — without the ACA marketplace restrictions.
Private, medically underwritten PPO plans that give you real access — any doctor, no referrals, no government marketplace restrictions. Designed for 1099 contractors, business owners, and high earners who expect more.
ACA marketplace plans are built for a one-size-fits-all system. If you're self-employed, healthy, and earning well — you're likely overpaying for coverage you don't need. We specialize in private PPO plans that reward your health profile.
Sole proprietors, LLC owners, and entrepreneurs who don't have access to group benefits — and refuse to pay ACA prices for network-restricted plans.
Freelancers, consultants, and gig professionals who need real coverage between contracts — not a watered-down plan that disappears when you need it most.
W-2 earners above ACA subsidy thresholds, commission-based professionals, and executives who qualify for better rates through medical underwriting.
Recently left a corporate job or COBRA is running out? Get a real plan with real coverage — not a short-term junk plan that denies claims.
The original 1099 workforce — you know better than anyone how commissions fluctuate. Get coverage that doesn't disappear when your income does.
If you're in good health, medical underwriting often means significantly lower premiums. Stop subsidizing others — get priced on your own health profile.
ACA plans are designed for broad enrollment pools. Private PPO plans are underwritten individually — which means healthier people often pay dramatically less for dramatically more flexibility.
True PPO access means you choose your specialists directly — no gatekeeping, no waiting for referrals, no surprise out-of-network bills.
Medical underwriting prices you individually — not based on the risk pool. Healthy individuals routinely save 20–50% vs. ACA alternatives.
Whether you're in Tampa, New York, or closing a deal in Denver — your coverage works anywhere in the country.
| Feature | Private PPO | ACA Plan |
|---|---|---|
| Choose any doctor | ✓ | ✗ |
| No referrals needed | ✓ | ✗ |
| Nationwide coverage | ✓ | ✗ |
| Priced on your health | ✓ | ✗ |
| Flexible enrollment | ✓ | ✗ |
| Lower premiums (healthy) | ✓ | ✗ |
| No government subsidies needed | ✓ | ✗ |
Fill out the quick form above or call directly. Takes under 2 minutes — no SSN, no commitment.
A licensed agent (not a script reader) reviews your situation and walks you through your real options.
We quote multiple carriers side-by-side — premiums, deductibles, networks, and real cost comparisons.
If you find the right fit, coverage can begin within days. No waiting for open enrollment windows.
I was paying $680/month on an ACA plan I barely used. Kyle got me a PPO with better benefits for $390. The process was completely painless — he knew his stuff and never pushed me into anything.
As a 1099 consultant I dreaded health insurance every year. Kyle explained the difference between private PPO and marketplace plans better than anyone I'd spoken to — and saved me real money.
Left my corporate job and COBRA was $1,400/month for my family. Kyle found us a private PPO for $890 with nationwide coverage. Wish I'd called him two months earlier.
A 15-minute consultation with a licensed agent costs nothing. Most clients find out they qualify for significantly better coverage at a lower premium — without the ACA marketplace restrictions.