Six comparisons, written to be useful rather than flattering.

A private PPO is medically underwritten coverage sold outside the federal Health Insurance Marketplace. Because the carrier reviews health history rather than pricing everyone in a rating area the same way, premiums for a healthy applicant are often lower and the doctor network is usually a broad national PPO instead of a narrow local HMO. The trade-off is real: these plans are generally not ACA-qualified health plans, they are not required to cover every essential health benefit, and they are not subsidy-eligible. That is exactly the conversation to have with an advisor before you buy anything.

Private plans are not tied to the ACA open enrollment window, so an application can be submitted in March or in October. That is the practical reason most people find us: they missed open enrollment, or a life change landed in the middle of the year. If you do have a qualifying life event that opens a Marketplace special enrollment period, an advisor will tell you, because sometimes that is the better route.

No. Coverage for pre-existing conditions is available, and it is the third question the form asks precisely because it changes which carriers and products make sense. What varies is how each carrier handles it: some underwrite it directly, some apply a waiting period, and for certain conditions a guaranteed-issue ACA plan genuinely is the stronger option. An advisor tells you which bucket you are in rather than running you through an application that was never going to work.

Your answers go to one licensed insurance advisor — not a lead pool, not a call-center rotation. They review what is available in your state, then call you back to talk it through. Nothing is purchased, bound, or applied for without you doing it knowingly. There is no algorithm here that picks your plan.

It does not. The form starts a review; it does not generate a rate, an estimate, or an eligibility decision. Any dollar figure anywhere on this site is there to explain how pricing works, not an offer. Real numbers come from a carrier after a real application.

Age band, household size, the state and county you live in, your health history, whether you want a national PPO network or a narrower one, and how you trade deductible against premium. Subsidy eligibility matters too — if your income puts a large Marketplace subsidy in reach, that often beats a private plan outright.

Licensed advisors work in all 50 states, but the specific carriers and products available differ by state, and a handful of states restrict certain private products outright. That is why the first question is your state and not your ZIP code — the state is what determines the shelf you are shopping from.

It goes to the licensed advisor reviewing your options and to our own systems so we can follow up. It is not sold to third-party lead buyers, and we do not collect a Social Security number, date of birth, income, or login on this site. You can ask us to delete it at any time through the Do Not Sell My Info page.

One licensed advisor. That is the whole promise, and it is the reason the form does not ask you to check a box agreeing to be contacted by dozens of partners. If you would rather not be called at all, email us instead and say so.

Then that is what you will be told, on the call, plainly. There is no version of this business that works long-term by putting someone on the wrong plan. If you qualify for Medicaid or a heavily subsidized Marketplace plan, an advisor will point you at it and you will not hear from us again unless you ask.