Six comparisons, written to be useful, not to sell.
Every page below says plainly where the other option wins. Sometimes that other option is the one you should take — a subsidised marketplace plan, COBRA while you are mid-treatment, a short-term plan for an eight-week gap. We would rather you knew.
- vs. ACA Marketplace
Private PPO vs. ACA Marketplace Plans
An honest comparison of medically underwritten private PPO coverage and guaranteed-issue ACA marketplace plans — including when the marketplace is clearly the better deal.
Read the comparison - vs. COBRA
Private PPO vs. COBRA Coverage
COBRA keeps the exact plan you already had — at the full unsubsidised price. Here is when that is worth it and when private PPO coverage costs far less.
Read the comparison - vs. Short-Term Plans
Private PPO vs. Short-Term Health Plans
Short-term medical is cheap and fast, and it is genuinely temporary. Here is where it works, where it fails, and how it compares to a renewable private PPO.
Read the comparison - vs. Health Sharing
Private PPO vs. Health Sharing Plans
Health sharing ministries are not insurance and carry no guarantee of payment. Here is the honest comparison against underwritten private PPO coverage.
Read the comparison - vs. HMO Plans
Private PPO vs. HMO Plans
HMOs trade flexibility for a lower premium and tight coordination. PPOs trade a higher premium for a broad network and direct specialist access.
Read the comparison - Losing Employer Coverage
Losing Employer Coverage: Your Options
Laid off, resigned, or had your hours cut? Here are the four realistic paths to coverage, what each actually costs, and the deadlines that matter.
Read the comparison
The honest version cuts both ways.
- We say where the alternative winsEvery page marks the rows where the other option is the better deal.
- Plain language, no fine-print gamesDeductibles, networks and enrollment windows explained the way you would explain them to a friend.
- Written for real situationsBetween jobs, self-employed, covering a family, or mid-treatment.
Reading only gets you so far. Ask someone licensed.
Which comparison applies to you depends on your state, your household and your health history. Five questions is enough for an advisor to tell you.
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.