Nationwide PPO plans
Health insurance, the hometown way
Remember when your insurance agent knew your name? We still work that way. Many healthy families who pay full price pay far less on a private PPO plan, with a big nationwide network and the freedom to keep the doctor who knows you.
What would your family pay? Start with your state.
Your information is transmitted securely and handled as described in our Privacy Policy. Takes less than 30 seconds. No obligation, ever.
Plans from nationally recognized carriers
Carrier availability varies by state and plan. All trademarks are the property of their respective owners.
Coverage for the way you work
No benefits department? No problem. Pick your line of work and see how private PPO coverage fits it.
The whole number, up front
Premium, deductible, and out-of-pocket max added together. That is the real cost, not the teaser rate, and we put it on the table for every option before anyone talks enrollment.
Every option, side by side
Private PPO, marketplace with your actual subsidy, COBRA, short-term. All of it compared in plain English. When another road is cheaper for your family, we say so.
A neighbor, not a call center
One licensed insurance agent from one of our Marketing Partners runs your numbers and walks you from first question to enrolled, at no cost to you, ever.
How does your plan compare?
A typical healthy family of four, paying full price after the enhanced subsidies expired.
| What matters | Unsubsidized Marketplace | Private PPO (underwritten) |
|---|---|---|
| Typical monthly premium | ✕Often $1,200–$1,900+ | ✓Often $400–$800 |
| Network | ✕Narrow local HMO/EPO common | ✓Nationwide PPO |
| Deductible options | ✕High on affordable tiers | ✓Flexible, incl. $0-deductible designs |
| Keep your own doctor | ✕Only if in this year's network | ✓Broad choice, no referrals |
| When you can enroll | ✕Open enrollment / life events | ✓Any month of the year |
| Health questions | ✕None — everyone accepted | ✓Yes — approval required |
Ranges are illustrative, not quotes. Underwritten plans aren't for everyone — subsidy-eligible households and those with significant conditions often do better on the marketplace, and we'll tell you so.
Finding good coverage is easy
Tell us about your household
Your state, who needs coverage, and a bit of health history. In minutes, your advisor can tell you whether underwritten private coverage is realistic for your family.
See your real numbers
Real plans side by side against your marketplace or COBRA numbers. Premiums, deductibles, and networks in plain English, with the tradeoffs said out loud.
Enroll with a steady hand
Apply with your advisor's help, clear underwriting, and your coverage can begin within days, any month of the year.
Thirty seconds on your phone. That's all it takes.
Pick your state, answer a few basics, and a licensed advisor calls you back with the real numbers — private PPO, marketplace, and COBRA side by side. No portal, no password, no fifteen-page application before a human ever talks to you.
- ✓ Works on any device — or just call
- ✓ A licensed agent, not a call-center queue
- ✓ Shared only with our Marketing Partners
Ready to find your plan?
Your information is transmitted securely and handled as described in our Privacy Policy. Takes less than 30 seconds. No obligation, ever.
Built for the folks who keep your town running
Truckers, farmers, builders, shop owners, early retirees. If you work for yourself or got priced out of the marketplace, pull up a chair. You're in the right place.
See your match in seconds
Slide, tap, and get a directional monthly range for your household.
Estimated monthly range
$405–$585
A directional estimate for a healthy household of 3 in Texas. Your real rate depends on underwriting — an advisor can pin it down in one call.
Get My Real NumberFind coverage in your state
Private PPO plans available in 43 states. Tap yours to see how coverage works where you live.
Questions, answered
Is private health insurance legitimate?
Yes. These are fully insured, medically underwritten plans from established carriers, regulated by your state's department of insurance. They sit outside the ACA marketplace and work differently: applicants answer health questions and can be declined, which is exactly why approved households often pay considerably less.
How is Hometown Health different from the ads I see online?
We treat you the way a hometown agent would. Your number is not sold to twelve call centers. One licensed advisor handles your case, and our first job is education. If the honest answer is that a subsidized marketplace plan or Medicaid serves you better, that is the answer you will get.
What if I have pre-existing conditions?
Underwritten plans review your health history, and significant ongoing conditions can mean a decline. We will not sugarcoat that. In that case the ACA marketplace, which cannot decline you, is usually your better road, and your advisor will help you understand that option instead.
Am I locked into a contract?
No. These plans are month to month. If your situation changes, you can leave without penalties. We would rather keep you with good service than fine print.
What does your service cost?
Nothing, ever. Advisors are compensated by carriers at enrollment, the same way most brokers are, so your premium is the same with or without us. The education and comparisons are free either way.
How fast can coverage start?
There is no open-enrollment window on private plans. After underwriting approval, often a matter of days, your coverage can begin, any month of the year.
Ready to find the right health insurance for you?
Ten minutes on the phone with a licensed advisor and you'll know what every option really costs, even if the honest answer is that the marketplace suits you better.
Mon–Fri, 8am–6pm CT