Coverage outside open enrollment
Missed open enrollment? Some private plans accept applications any month. A licensed agent explains which ones you can apply for now and when a Marketplace special enrollment period may be better.
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Private PPO & major medical in 49 states and DC (not Washington)
Compare off-exchange PPO and major-medical plans from private and association programs, with national networks like Cigna, Aetna or PHCS where available. Many are medically underwritten: price and approval depend on the carrier's application, not on this site.
No SSNNo medical historyAbout 60 seconds
What to tell the agent
- Who needs coverage and their approximate ages.
- Your state and ZIP.
- Doctors or hospital networks you want to keep.
- The agent will not ask for your Social Security number or medical history on the first call. Applications go directly to the carrier.
Private PPO & major medical by state
Read about private plans in your state.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- West Virginia
- Wisconsin
- Wyoming
Not available in Washington State.
Other private health insurance options
Tap to start your request with it already selected.
Self-employed & 1099 health plans
For freelancers, gig workers and owners who earn too much for subsidies. Compare private plans, HSA-eligible options and whether a small-group plan makes sense.
Health insurance for early retirees
Retired before 65? Compare private plans, COBRA and Marketplace options to bridge the gap until Medicare.
COBRA alternatives
Leaving a job? Compare your COBRA cost with private and Marketplace options before your election window closes.
Short-term health insurance
Temporary coverage for a gap between plans. Short-term plans are not comprehensive coverage and may exclude pre-existing conditions.
Small business group health
Group health for businesses with roughly 2–50 employees. Send a census to the agent and get quotes from the carriers you want compared.
Ready to compare? It takes about 60 seconds.
One licensed agency. No SSN. Never resold.