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Six honest comparisons, including the ones we lose.

Every page here lays out the alternative's real advantages before it makes any case for private coverage. If the other option is better for you, that's what it will say.

Private PPO vs. ACA Marketplace Plans

This is the comparison that matters most, because for a large share of households the marketplace genuinely wins — and any broker who won't say that out loud is not worth listening to.

  • Can you be declined?
  • Subsidies available
  • Typical unsubsidized premium
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Private PPO vs. COBRA Coverage

COBRA is the option that finds you — a packet arrives after you leave a job, the price is startling, and there's a deadline attached.

  • What you're buying
  • Typical cost
  • Health questions
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Private PPO vs. Short-Term Health Plans

Short-term medical plans advertise the lowest premiums you'll see anywhere, and that number is real. So are the limits behind it.

  • Intended use
  • Pre-existing conditions
  • Benefit caps
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Private PPO vs. Health Sharing Plans

Health care sharing ministries have grown fast among self-employed households, and the appeal is obvious: monthly costs well below insurance, and a community-based model that many members genuinely like.

  • Is it insurance?
  • Legal obligation to pay
  • State insurance regulation
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Private PPO vs. HMO Plans

PPO and HMO aren't good and bad. They're two different answers to the same question: how much freedom do you want, and how much are you willing to pay for it?

  • Referral to see a specialist
  • Out-of-network coverage
  • Network footprint
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Losing Employer Coverage: Your Options

Losing group coverage is the most common reason people end up buying their own, and it arrives with deadlines attached — which is why so many decisions get made badly, in a hurry, from a packet.

  • Health questions
  • Typical cost
  • Keep your doctors
Read the comparison

How to read these

Two questions decide most of it: your health and your subsidy.

Almost every coverage decision comes down to whether a premium tax credit is available to your household, and whether your health history will pass underwriting. Everything else — networks, deductibles, referrals — is preference.

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Five short questions, about thirty seconds. A licensed advisor reviews your details and calls you with what's actually available where you live.

  • Free, no-obligation review
  • One licensed advisor — never a call center
  • Your details are never sold to third parties
  • Enroll any day of the year

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