Private PPO Health Insurance
A PPO (Preferred Provider Organization) plan lets you see any doctor or specialist without a referral, in or out of network, though you'll pay less by staying in-network. That flexibility is why PPO plans are the most requested plan type among our self-employed and small-business clients.
Private PPO plans are individually underwritten (health questions apply) rather than guaranteed-issue like ACA Marketplace plans — the trade-off for underwriting is often a lower premium for healthy applicants and broader network access than a Marketplace HMO.
Why clients choose this option
- See any doctor or specialist without a referral
- Broad national PPO network access accepted nationwide
- Often cheaper than an unsubsidized ACA Marketplace plan for healthy applicants
- No annual Open Enrollment window — apply any time
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Frequently Asked Questions
Network breadth varies by carrier and plan — we verify your specific doctors and hospitals against a plan's actual network before you enroll, rather than assuming based on the carrier's name alone.
No — PPO plans don't require a referral to see a specialist, unlike HMO plans.
No. Marketplace plans are guaranteed-issue and can include subsidies but often use narrower HMO/EPO networks. Private PPO plans require health underwriting but typically offer broader access.