Six comparisons, written so the other side can win.
Most comparison pages exist to make one option look ridiculous. These do not. Each one lays out what the alternative genuinely does better, who it actually suits, and where private PPO coverage is the stronger answer.
Start with the option you are weighing now.
Private PPO vs. ACA Marketplace Plans
Subsidies, networks and enrollment windows — where each one genuinely wins.
Read the comparison
Private PPO vs. COBRA Coverage
Keeping your old plan at full price, versus starting a new one.
Read the comparison
Private PPO vs. Short-Term Health Plans
Cheap and fast, but built to end — and to exclude.
Read the comparison
Private PPO vs. Health Sharing Plans
Low monthly cost, no legal guarantee that a bill gets paid.
Read the comparison
Private PPO vs. HMO Plans
Referrals and county lines, versus freedom and a higher premium.
Read the comparison
Losing Employer Coverage: Your Options
Every route open to you, and the deadlines that close them.
Read the comparison
Every one of these has a losing side for us.
Each comparison names the situations where the other option is genuinely the better buy — COBRA when you are mid-treatment, the Marketplace when a subsidy lands. If that is you, the honest answer is the one you will get on the call.
- The alternative's real strengths, stated plainly
- Who each option actually suits
- A verdict you can check against your own situation
Stop overpaying for coverage that barely covers you.
Here is the same healthy applicant, priced two ways. We are not hiding the trade-offs — if a subsidized Marketplace plan is cheaper for you, an advisor will tell you that on the call.
What people actually pay
Unsubsidized bronze-tier premium, $5,000+ deductible.
American Healthcare Choice$300/moUnderwritten PPO coverage for a healthy applicant.
Pre-existing conditions covered
Save ~$450/mo — that’s over $5,400 a year back in your pocket.
Actual premiums, deductibles and benefits vary by age, location, health history and the plan selected.
Line by line
Best ValueMonthly premium
Marketplace
$750/mo
Us
$300/mo
Deductible
Marketplace
$5,000–$9,000+
Us
As low as $0
Telemedicine
Marketplace
~$50 a visit
Us
Often $0
Doctor & specialist visits
Marketplace
$50+ copays
Us
Low or $0 copays
Out-of-pocket max
Marketplace
$18,000+
Us
~$3,000
Co-insurance
Marketplace
Often 40% on you
Us
Up to 100% covered
Doctor networks
Marketplace
Narrow local HMOs
Us
Broad nationwide PPOs
Enrollment window
Marketplace
6 weeks a year
Us
Any day of the year
Most people find us on one of their worst weeks.
If any of these is you, a thirty-second survey is a reasonable next step. It costs nothing and commits you to nothing.
You just lost employer coverage
COBRA hands you the full unsubsidized premium and you have sixty days to decide.
You are self-employed
Nobody is splitting the premium with you, so every dollar of the monthly cost is yours.
Open enrollment has closed
It is April and the Marketplace will not take you without a qualifying life event.
Your plan does not cover your doctor
The network is narrow, the specialist is out of it, and the referral keeps bouncing.
You have a condition to cover
You want to say so up front and find out honestly what it changes.
You retired before 65
Medicare is years away and the gap has to be bridged without wrecking the budget.
Real options. Real advisors. Zero pressure.
Start My Free Coverage ReviewNot sure which side
you are on?
That is what the call is for. Five questions, one licensed advisor, and an honest answer — including stay where you are, if that is the right one.
- Licensed advisors in all 50 states
- Pre-existing conditions covered
- Apply any day of the year
Free plan review
Step 1 of 5
Let's find your coverage