Freelancers & independent contractors
Self-Employed Health Insurance On Your Terms
- No spam
- No obligation
- You’ll work with one licensed agent from start to finish
- Google reviews: 4.8
- Real PeopleBased In Dallas, TX
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 self-employed individuals default to marketplace plans without realizing there may be other options. Private PPO options are designed for individuals and families who are responsible for their own coverage and want more control over cost and care.
Get my quote
The perfect alternative for self-employed
Private PPO plans are the perfect alternative for independent contractors who want better benefits for a lower monthly cost.
A Private PPO plan may be a good fit if you are:
Self-Employed (or 1099)
Running A Small Business- Frequent Travelers
No Employer-Sponsored Options
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
Plan types
How plans compare
Most of the difference people feel day to day comes down to the network.
| Feature | Private PPO | Typical HMO | Typical EPO |
|---|---|---|---|
| Use any doctor or hospital | ✓Yes | –In-network only | –In-network only |
| See a specialist without a referral | ✓Yes | –Referral needed | ✓Usually |
| Benefits for out-of-network care | ✓Yes | –Emergencies only | –Emergencies only |
| Benefits anywhere in the U.S. | ✓Yes | –Local network | –Plan’s network |
ACA Marketplace plans are a better fit if you earn less than about $64k annually as an individual (qualify for subsidies) or are experiencing ongoing health conditions. We’ll compare both with you and help you find the best fit.
Prices first, then a call
No pressure, no obligation.
Answer a few quick questionsAbout a minute
See your pricesA real number, not a guess
Pick a time to talkIf staying put is better, we’ll say so
Just a phone call awayPatient advocacy
We’ll help you navigate the healthcare system
A U.S. based advocacy team handles the paperwork on your policy.
- Pre-price careWe shop the procedure before you go
File claimsWe submit and track every claim
Negotiate billsIf a bill looks wrong, we push back
Find doctorsTell us what you need and we’ll find it in-network
Patient Advocacy is a voluntary membership and not an insurance product. Bill negotiation results aren’t guaranteed.
How patient advocacy worksMeet the team in your corner
Licensed agents and advocates in Dallas who know your name and answer when you call.
Ben JonesFounder 
Nick KlusmeyerSales Manager 
James RileyPatient Advocacy Manager 
Samantha McHoneChief Marketing Officer
Coverage area
Enroll in your state, use it nationwide
If you live in a highlighted state, you can get a plan. Once you’re covered, the nationwide PPO network travels with you.
- Plans available to residents
- Nationwide PPO network
Perfect for:
Visiting friends- Vacations
College- Travel for work
What clients say
4.864 Google reviewsI am self employed and the marketplace plans are outrageously expensive. Noah helped me find private insurance for a very affordable monthly rate. I would highly recommend working with him.
Michelle A.Google review Pierce was so helpful and easy to work with. He explained things well and was easily accessible. He answered all of my questions and was very knowledgeable. Highly recommend!
Alissa B.Google review Mo was alot of help very knowledgeable about the plans and help every step of the way thank you
Nathan B.Google review Noah was great! He help me through the whole process and even work after hours to get my application going.
Martin R.Google review
Read on GoogleI'm thankful a close friend recommended Pierce. Working with him was amazing. He did a great job explaining how this insurance company and coverage worked, pricing, options, and the endless questions I had. What could have been a very stressful situation was made into a smooth process by Pierce. I can't thank him enough for being good at his job! If you're shopping for health insurance please give American Allly a call and ask for Pierce.
K R.Google review Very informative
Dave J.Google review
Top questions about this plan
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.