Private PPO health plans

Compare Private PPO Health Insurance Plans in Minutes

$0 deductible and low copay plan designs available
PPO networks, no referral needed for in-network specialists
Telehealth visits included
Many private plans accept applications year round
One licensed agent compares plans for you, free

Answer a few quick questions and see what you qualify for. Free, no obligation, about 2 minutes.

Who needs coverage?

See what you qualify for. Takes about 2 minutes.

We Compare Plans From These Carriers and Find Which Fits You Best

Plan and network availability varies by state and by your situation. Your agent will confirm which carriers and plans are available to you.

A Simple Process That Keeps You Covered

Finding the right health plan should not be frustrating.

$0 deductible and low copay plan designs available
PPO networks, with national network options on many plans
No referral needed for in-network specialists on PPO plans
Telehealth visits included
Dental and vision add-ons available on many plans
Premiums, deductibles and out-of-pocket maximums side by side
Many private plans accept applications year round
Start dates depend on the carrier and approval

Who these plans are not for

Anyone age 65 or older
Anyone who needs a plan with no application questions, since private plans are subject to underwriting

We work with people under 65 who want private PPO coverage. If that is you, a licensed agent will walk you through your options at no cost.

When Do People Shop for a Private Health Plan?

Most people start comparing after a change like one of these. Many private plans accept applications year round, so you do not have to wait for a set month.

Recently lost job-based health coverage

Turned 26 and aged off a parent’s plan

Got married or added a child to your household

Recently divorced or legally separated

Moved to a new state

Self-employed, 1099 or between contracts

Your premium went up at renewal

COBRA is too expensive

Approval, price and start date depend on the carrier and underwriting. The fastest way to see your options is to check.

See If I Qualify

Sound Familiar?

Paying too much for health insurance?

If your premium jumped at renewal, it is worth comparing what else is available to you.

Leaving a job-based plan?

COBRA is one option, not the only one. Compare its monthly cost with a private plan before you decide.

Stuck with a narrow network?

Ask whether a plan uses a regional or a national PPO network before you apply.

See What I Qualify For

Reviewing health plan options with an agent

The deductible trap

Think You're Covered? Check Your Deductible First.

With many plans, you pay thousands out of pocket before most benefits start. A low premium can hide a high deductible.

We compare private PPO plans side by side, including $0 deductible plan designs, so you can see the premium, deductible and out-of-pocket maximum together before you choose. How deductibles work.

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Who we help

Coverage Built Around Your Life

Self-employed, between jobs, on the road, running a business, or covering a family. Pick your situation.

Leaving a Job-Based Plan→

For Businesses→

Simple process

Getting Better Coverage Is Easy

Answer a Few Questions

Tell us your situation in about 2 minutes. No documents needed to start.

Get a Free Coverage Review

One licensed agent reviews what you have now and compares the private plans available to you. No pressure and no obligation.

Pick Your Plan and Rest Easy

Choose with real numbers in front of you. Your agent helps with the application and stays your point of contact after.

Start My Free Review

Guides

Plain-English Guides to Private Health Insurance

Leaving a job-based planCOBRA, state continuation or a private plan COBRA vs a private planHow to compare before your deadline PPO vs HMO vs EPOHow plan networks differ Self-employed deductionDeducting premiums on your federal return Deductibles explainedDeductible, copay and out-of-pocket maximum Coverage by stateRules, regulators and estimates in 31 states

Questions?

Frequently Asked Questions

Is talking to an advisor really free?

Yes. Your consultation and plan review are free and come with no obligation. No fees, no pressure, no strings.

What kind of plans do you compare?

We focus on private PPO health plans for people under 65, including individual, family and small business options. We compare the plans available in your state side by side, and if COBRA is an option for you, we can help you compare its cost with a private plan.

Will I get blown up with spam calls?

No, and this matters: your information goes to one licensed advisor at Unified Plan Options. We never sell or share your details with networks of marketers. One advisor, that is it.

How fast can my coverage start?

It depends on the carrier and on approval. Your agent will tell you the earliest start date for the plans you are considering before you apply.

What do I need to get started?

Just the basics: your state, who needs coverage, and a rough idea of your situation. The form takes about two minutes and a licensed advisor handles the rest.