Get Your Senior
Health Insurance Quote
Just a few simple steps to see your savings:
No spam. No obligation. Just real support. One licensed agent will reach out to review your options.
There’s never been a better time to get a private senior health insurance quote and shop your options! With enhanced ACA subsidies set to expire at the end of 2025, seniors and retirees across the country will be facing 75%+ premium hikes.
You can avoid those $1,500+ ACA premiums and $9,000+ deductibles, by shopping for an affordable PPO plan with lower deductibles, $0 copays, and benefits that travel with you!
Smart Benefits
With Year-Round Support
Senior health insurance quotes have been coming in with 40%-50% lower premiums - especially with many seniors and retirees losing their enhanced 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!
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 senior 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 for seniors and retirees 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 Family Health Insurance 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.
Private PPO plans offer better benefits for seniors at a lower price
Our analysis shows just how steep premiums could climb if enhanced subsidies expire at the end of 2025.
For example, a family of four earning $128,000 would pay $679 more each month, or more than $8,100 annually.
This aligns with projections that estimate, average premiums could rise by about 75% in 2026.
Seniors don’t have to wait for their increase letter through:
Our licensed agents can help you find an affordable PPO plan, so you can save more and keep your family covered!
