Private & ACA Health Insurance
From comprehensive major-medical to flexible private PPO-style plans, I help you compare real options and choose coverage that fits your health needs and your budget.
What's included
- Private PPO-style plans with broad provider access
- ACA Marketplace major-medical (may qualify for subsidies)
- Coverage for the self-employed, 1099, and business owners
- Year-round options outside of open enrollment
Two paths to health coverage
Most people shopping on their own choose between two kinds of plan. ACA Marketplace plans are guaranteed-issue: you can't be turned down for health history, they cover the ten essential health benefits, and income-based subsidies can lower the premium. Private plans are sold outside the Marketplace. Some are medically underwritten, some are limited-benefit, and for healthy applicants they can cost less and offer broader PPO-style networks. Neither is automatically better. The right choice depends on your health, your income, your doctors, and how much risk you're comfortable carrying.
What I look at with you
Your doctors and hospitals, prescriptions, expected care for the year, your budget for premiums and for out-of-pocket costs, and whether you qualify for a subsidy. Then I lay the options side by side in plain English, including what each plan does not cover.
Good to know: Some private options are limited-benefit or excepted-benefit plans that are not ACA-qualified major medical. I'll always tell you exactly which is which.
Health coverage for your situation
Self-Employed & 1099
Coverage built for independent workers without an employer plan.
Learn moreBusiness Owners
Options for you and your team that help you keep great people.
Learn moreTruck Drivers
Portable coverage that travels with you across state lines.
Learn moreTravel Nurses
Flexible plans that keep up with contracts and moves.
Learn moreMed Spa & Small Practice Owners
Private coverage for owners and small teams.
Learn moreFamilies & Individuals
Protect everyone under your roof without overpaying.
Learn moreCommon questions
What's the difference between a PPO and an HMO?
Can I buy health insurance outside open enrollment?
Will I qualify for a subsidy?
Related guides
Private Health Insurance vs. ACA Marketplace Plans: An Honest Comparison
How private health insurance and ACA Marketplace plans differ on cost, networks, pre-existing conditions, and subsidies, and how to decide which fits you.
Read the guide Guide · 5 min readPPO vs. HMO vs. EPO: Which Network Type Fits You?
Plain-English explanation of PPO, HMO, EPO, and POS health plans: referrals, out-of-network coverage, cost trade-offs, and who each network type fits best.
Read the guide Guide · 6 min readMissed Open Enrollment? How Special Enrollment Periods Work
What counts as a qualifying life event, how long you have to enroll, what proof you may need, and what to do if you don't qualify for a Special Enrollment Period.
Read the guideRequest your health quote
Tell me a little about you. I'll come back with real options, usually the same day.
How many people would be on the plan?
Include yourself.
Ready to find your plan?
A free 15-minute review. No pressure, no obligation. You leave knowing your options either way.