Individual & family private plans
If you’re in good health, there’s a whole category of plan the Marketplace never shows you: a medically underwritten private PPO. Wide national networks, and often a premium well below what an unsubsidized Marketplace plan would cost. Most people never hear it exists.
Is this you?
If any of these sound familiar, this is worth a conversation.
- Are you in good health and paying full price on the Marketplace?
- Do you earn too much to qualify for a subsidy?
- Do you want a wide national network instead of a narrow one?
- Are you self-employed and buying coverage on your own?
What it covers
What you can expect from this kind of plan.
- Medically underwritten PPO plans sold outside the Marketplace
- Wide national networks, so your doctors are more likely to be in
- A premium priced on your health rather than a community rate
- A side-by-side against every Marketplace plan you qualify for
The honest version
Plans sold outside the Marketplace are medically underwritten. The carrier can ask about your health history, and can decline you or price you differently because of it. That’s why the premium can be lower: healthy applicants aren’t subsidizing anyone else. An ACA plan can’t do that to you. So if you’re managing a condition, that protection is usually worth more than the premium difference, and I’ll tell you so even when it costs me the sale.
Find out where you actually stand
Fifteen minutes on the phone. I check what you qualify for, price the options side by side, and you decide with the numbers in front of you. Nothing to sign, and the quote is free.
Tell me what matters
Who needs covering, which doctors you want to keep, what prescriptions you take, and what you can comfortably pay each month.
Understand your options
Plans side by side: total cost, networks, benefits, limits, and the actual plan documents. The premium is only one number of several.
Choose what fits
You move forward only once the tradeoffs make sense to you. Then I handle the paperwork and stay reachable all year.
I stay on it
ID card problems, a denied claim, a baby, a move, renewal season. You call the same person who set your plan up.
Let’s clarify your options together
Bring your doctors, your prescriptions and a rough sense of next year’s income. Leave knowing exactly what you qualify for and what it’ll cost you.