Affordable Health Insurance For Self-Employed & 1099's
Just a few steps to get your private PPO plan quote:
No spam. No obligation. You’ll work with one licensed agent from start to finish.
Self-Employed or 1099? You May Be Overpaying for Health Insurance
If you don’t get coverage through an employer, you may qualify for private PPO plans with lower monthly costs and benefits you can actually use.
- Nationwide PPO network
- $0 copay and $0 outpatient deductibles
- Free Telehealth
- Year-Round Patient Advocacy
Most households save up to 40% to 50% on their premiums!
A Private PPO plan may be a good fit if you:
Whether your a business owner, freelancer, or consultant, a private health insurance plan is going to give you the flexibility and customization you need to fit your busy lifestyle.
If you have under 50 employees, setting up a group plan is within reach! We've got private PPO plans available to keep your employees insured - and help with employee retention!
Unlike traditional ACA marketplace plans, this private PPO plan offers nationwide coverage - so go ahead: see the country! Your benefits will be there when and where you need them!
Whether you're a realtor, contractor, plumber, financial advisor, digital creator, travel nurse, or truck driver, just to name a few - you probably don't have access to employer-sponsored health insurance, but that doesn't mean you have to go without! A private PPO plan offers the coverage you need and the customization to fit your budget!
Private PPO plans are the perfect alternative for contractors who want better benefits for a lower monthly cost.
Why So Many Self-Employed Households Are Making The Switch...
Most self-employed individuals default to marketplace plans without realizing there may be other options.
These plans can come with higher premiums, limited provider flexibility, and benefits that are difficult to use.
Private PPO options are designed for individuals and families who are responsible for their own coverage and want more control over cost and care.
Smart Benefits
With Year-Round Support
Private health insurance quotes have been coming in at 40%-50% lower premiums - especially for entrepreneurs and small business owners who don't qualify for subsidies!
Leave your cash at home!
You can enjoy $0 copays when visiting the doctor, specialist, urgent care, and MORE.
Start using benefits like dr visits or urgent care day 1 - with NO deductible.
The only time a deductible applies is if you're in the hospital for more than 24 hours—and even then, you choose the deductible that fits your budget upfront so there are no surprises later.
With access to one of the largest PPO networks in the country our members have no trouble finding doctors - in fact, your doctor is probably already in-network!
Simply show your card and see your doctor - no copay, no hassle.
Real people. Real help.
You’re never alone here.
Our Patient Advocates are experts in medical billing and insurance. From finding doctors to pre-pricing procedures to filing claims and even negotiating surprise bills—they’re just a phone call away.
Flexible plans that put you in control.
Whether you're covering a family, spouse, child, employee, or just yourself, you'll have the flexibility to build a plan around your needs and budget!
What Makes This Different: ✓ One licensed agent from start to finish + No selling your info or spam calls✓ Clear, Guided Plan comparisons
Real People. Real Protection.
When David* was diagnosed with cancer, he braced for the worst; not just medically, but financially. The treatments came quickly, and so did the bills.
But with the help of his private health insurance plan, what followed wasn’t panic: it was relief:
He was able to get the treatment he needed, when he needed it.
Florida Cancer Specialists billed David's plan $356.54 for his treatment. (pictured)
David's plan has $2,250 of coverage for radiation treatment, so his plan paid Florida Cancer Specialists their $356.54 and sent David a check for the remaining $1,893.46 (pictured)
David will get a check like that every day he goes in for treatment, up to his calendar year max, and he is free to spend those checks however he needs too.
(*Name and identifying details changed for privacy.)
Is this Private PPO plan right for you?
Follow these 3 easy steps to request a private health insurance quote and find out:
We Handle the System,
So You Can Focus on Healing
You get year-round support from U.S.-based Patient Advocates, who are experts in medical billing and make your care significantly simpler and more affordable. Get your health insurance quote to see if this private plan is right for you!
Patient Advocacy is a voluntary membership and not an insurance product.
Our advocacy team can shop the cost of your health care for you and present fairly-priced options within your benefits.
Never worry about surprise bills again! Our experts can review your bill and negotiate with providers on your behalf.
Our advocacy team handles the claims process for you, so you can get reimbursed sooner.
Just let our team know what kind of doctor you need and they'll do the digging for you to find primary care, specialists, facilities, and more!
Top Questions About This
Private Health Insurance For Business Owners
How Can The Premiums Be So Low?
Your premium is based on factors like age, smoking status, location, and overall health—the healthier you are, the lower your cost.
Because our enrollees are generally healthier, fewer claims are filed, allowing us to keep premiums low while still offering excellent benefits. That's how you do low cost health insurance right!
Is This Real Health Insurance?
Yes! This is a health indemnity plan that is approved and regulated by each state’s Department of Insurance.
Do I Qualify?
Most healthy Americans do qualify, however this plan may not be the right fit if you have any of the following:
- Recent heart attack or stroke
- Current cancer or a history of cancer within the last five years
- Insulin-dependent diabetes
- Pregnant
- COPD
- Need for immediate surgery
- Age 65 or older
If none of these apply to you, then you'll probably qualify, and don't worry, conditions like high blood pressure, high cholesterol, or other minor health issues won’t prevent you from qualifying either.
Is This a PPO, HMO, or EPO plan?
This is a PPO plan, giving you access to one of the largest provider networks in the country - nearly 96% of the U.S. population has a provider within 20 miles.
Is My Doctor In-Network?
Because this plan gives you access to one of the largest nationwide PPO networks, it is very likely that your doctor is in-network. Your agent can verify that your doctor is in-network before you apply!
Is There A Max Out Of Pocket?
Our plans don’t have a traditional out-of-pocket maximum. Instead, you select your annual benefit limit, choosing from $250,000, $500,000, or $1,000,000 in coverage for the year. This allows you to customize your plan to match your healthcare needs and budget.
Who This May Not Be For...
- Individuals looking for Medicaid or low-income subsidy plans
- Those only interested in ACA / marketplace options
- Those not responsible for their own insurance decisions
- Individuals managing chronic health conditions