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Licensed advisors · All 50 states

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Private PPO coverage · All 50 states

Health coverage that fits your life — not the enrollment window.

Private PPO plans you can apply for any day of the year, reviewed with you by a licensed advisor who actually picks up the phone. No pressure, ever.

  • Pre-existing conditions covered
  • Nationwide PPO doctor networks
  • Enroll any day of the year
  • Deductibles as low as $0

Free Coverage Review

Step 1 of 5

Let's find your coverage

Start with your state.

Secure & confidentialTakes about 30 seconds

Licensed advisors in all 50 states

Your details are never sold to third parties

0

States with licensed advisors

0

Days a year you can apply

$0

Deductible on some plans

0%

Free to review your options

Carriers your advisor can shop

UnitedHealthcareAetnaCigna HealthcareBlue Cross Blue ShieldHumanaAnthem Blue Cross Blue ShieldAllstate Health Solutions
The Honest Comparison

Stop overpaying for coverage that barely covers you.

Typical Marketplace

$750/mo

Unsubsidized bronze-tier premium, $5,000+ deductible.

vs

Pre-existing conditions covered

Bright Health Savings

$300/mo

Underwritten PPO coverage for a healthy applicant.

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.

Feature

Marketplace

VS
Bright Health SavingsBest Value
  • Monthly premium$750/mo$300/mo
  • Deductible$5,000–$9,000+As low as $0
  • Telemedicine~$50 a visitOften $0
  • Doctor & specialist visits$50+ copaysLow or $0 copays
  • Out-of-pocket max$18,000+~$3,000
  • Co-insuranceOften 40% on youUp to 100% covered
  • Doctor networksNarrow local HMOsBroad nationwide PPOs
  • Enrollment window6 weeks a yearAny day of the year

Bright Health Savings is not affiliated with any government marketplace.

What actually moves the price

See what makes coverage cost more or less.

Age
Who needs coverage
Deductible

Private PPO, from

$300/mo

An example only, not a rate or offer. Assumes a healthy applicant with no subsidy. Actual prices are set by the carrier.

How it works

Four steps, and the last one is entirely yours.

No account to create, no portal to log into, no instant rate that changes the moment you click it. Tap a step to see how it goes.

A woman answering a few questions on her phone
Step 1 of 4Five questions from your phone, no account needed.
Who we serve

Built for people whose work doesn't come with a benefits packet.

Roughly one in six working Americans is self-employed or on contract. The health insurance system was not designed around them — which is exactly why an advisor helps.

Swipe to explore

Coverage nationwide

Licensed advisors in all 50 states.

Hover or tap your state to see where private PPO options are reviewed, then open its coverage page.

Select a state

Every state on the map links to its own page: the major cities covered, how underwriting works there, and when a marketplace plan is the better call.

Most requested

All 50 states
AlabamaALAlaskaAKArizonaAZArkansasARCaliforniaCAColoradoCOConnecticutCTDelawareDEFloridaFLGeorgiaGAHawaiiHIIdahoIDIllinoisILIndianaINIowaIAKansasKSKentuckyKYLouisianaLAMaineMEMarylandMDMassachusettsMAMichiganMIMinnesotaMNMississippiMSMissouriMOMontanaMTNebraskaNENevadaNVNew HampshireNHNew JerseyNJNew MexicoNMNew YorkNYNorth CarolinaNCNorth DakotaNDOhioOHOklahomaOKOregonORPennsylvaniaPARhode IslandRISouth CarolinaSCSouth DakotaSDTennesseeTNTexasTXUtahUTVermontVTVirginiaVAWashingtonWAWest VirginiaWVWisconsinWIWyomingWY

The conversations people actually have with us.

One unsubsidised marketplace plan came back costing more than my mortgage payment. The advisor didn't try to sell me anything on the first call — he just explained why the number was what it was.
Self-employed electrician · Ohio
We lost coverage in April, which is nowhere near open enrolment. I assumed we were stuck until January. Turns out medically underwritten plans don't have a window.
Family of four · Texas
My advisor told me I'd probably qualify for a subsidy and should check the marketplace first. She was right, and she didn't make a cent from it.
Part-time hospitality worker · Florida
The part that mattered to me was the network. I work in three states and my old HMO covered exactly one of them.
Owner-operator · Tennessee
COBRA wanted $1,900 a month to keep the same plan. I wanted someone to tell me honestly whether that was worth paying. He walked me through both and let me decide.
Recently laid off, family of three · Illinois
I'd been putting it off for two years because I assumed my back surgery made me uninsurable. The underwriting question was a lot less dramatic than I'd built it up to be.
Freelance designer · Oregon
What I appreciated was that nobody called me eleven times. One advisor, one conversation, and then he left me alone to think about it.
Realtor · Arizona
We're both 61 and retiring before Medicare kicks in. The four-year gap was the whole problem, and it took one call to understand the options.
Early retirees · North Carolina
I drive rideshare, so my income moves around a lot. She explained exactly which parts of the cost move with that and which don't.
Gig driver · Nevada
Our two employees needed coverage and I had no idea where to start as a four-person shop. He didn't make me feel stupid for asking.
Small business owner · Pennsylvania
I'd been on a health sharing plan and didn't realise how much wasn't actually guaranteed until someone read the fine print with me.
Travel nurse · Colorado
The deductible on our marketplace plan meant we never actually used it. Paying every month for something we couldn't afford to use was the part that stung.
Restaurant owners · Georgia
No pressure, ever

Find out what you actually qualify for — today, not in January.

Answer five short questions. A licensed advisor reviews them and calls you back. If something else is the better fit for your household, they will tell you that instead.

  • Takes about 30 seconds, and there is no account to create.
  • One licensed advisor reviews it — your details are never sold on.
  • Pre-existing conditions covered by the right plan; your advisor tells you which.

Free Coverage Review

Step 1 of 5

Let's find your coverage

Start with your state.

Secure & private. By submitting you agree to be contacted by one licensed advisor.