Private-coverage specialists
We focus on private PPO plans every single day — so you get advisors who know these plans inside out, not a call-center reading from a script.
Independent brokerage · all 50 states
Find private health coverage that fits your life & budget.
Compare private PPO plans from top national carriers in minutes — broad networks, year-round enrollment, and a free review from licensed advisors. No cost. No obligation.
- Licensed advisors
- Free plan review
- No obligation
- Secure & private
(217) 335-7909
JMARDPGT
4.9/5 · 1,200+ members helped
Takes less than 30 seconds · no obligation
See your plan options— free & instant
Step 1 of 50%
Let's find your coverage
Start with your state.
Your information is secure & private
Compare options from nationally recognized carriers
Cigna
Oscar
Cigna
Oscar
Carrier availability varies by state, eligibility, plan type, and enrollment rules.
50
States Covered
10+
National Carrier Partners
4.9★
Client Satisfaction
$0
Cost to Compare Plans
Why Better Choice
Guidance you can trust, coverage that travels with you
We're independent — so our only job is matching you with the right plan, not pushing one company's products.
Clear advice, zero pressure
We explain your options in plain English and let you decide on your timeline. No jargon, no hard sell — just guidance you can actually trust.
Nationwide carrier access
Plans from major A-rated carriers across all 50 states, with broad PPO networks that travel with you and keep the doctors you already know.
Built around your budget
We start with what you can comfortably spend and work backward — matching you to coverage that protects you without straining your finances.
Compare your options
Many people may be paying more than they need to
See how private PPO plans may compare to common alternatives — coverage, costs, and flexibility side by side.
Coverage that fits your budget
See how a private PPO plan may compare to what you could be paying now.
Marketplace
$750/mo
VS
Better Choice
$300/mo
Example savings ~$450/mo — over $5,400 a year
FeatureMarketplaceBetter Choice
Typical monthly premium (no subsidy)$750$300
Enroll any time of year
Broad nationwide PPO network
Keep your preferred doctorsLimited
Month-to-month flexibility
Examples shown are illustrative only. Actual pricing and eligibility vary by age, state, plan, and carrier.
How it works
Coverage in three simple steps
No paperwork marathons. No pressure. Just a clear path from question to coverage.
- 1
Tell us about you
Answer a few quick questions about your household and what you're looking for. It takes under 30 seconds and there's zero obligation.
- 2
Compare your matches
A licensed Better Choice advisor lines up private PPO plans side by side and walks you through the best fits for your budget, doctors, and needs.
- 3
Enroll with confidence
Choose the plan you love and we handle the paperwork. Your advisor stays available year-round whenever your needs change.
Who we help
Built for people traditional coverage often overlooks
If you're paying full price on the Marketplace or stuck between jobs, a private PPO plan is often the smarter move. We specialize in exactly these situations.
- Self-Employed
- Families
- 1099 Contractors
- Early Retirees
- COBRA Alternatives
- Losing Employer Coverage
$5,400
Avg. annual savings*
*Illustrative figure based on common member scenarios. Individual results vary.
Licensed advisors
Personal guidance
Talk to a real licensed advisor — never a call center
Health coverage is too important to guess at. Your dedicated Better Choice advisor learns your situation, lays out your options in plain English, and helps you choose with confidence.
- Licensed in all 50 states — real people, not a script
- We check your doctors are in-network before you enroll
- Honest comparisons across carriers, no pressure to buy
- One point of contact, available year-round
Licensed support No-pressure guidance Private PPO expertise Real people, not bots
Member stories
Real people, real coverage, real savings
Trusted by families, self-employed individuals, and those leaving employer coverage. (Illustrative examples.)
“I'm self-employed and the Marketplace wanted $760 a month from me. Better Choice found a PPO that kept my same doctors for nearly half that. My advisor actually explained every number.”
Marcus R.
Freelance designer · Texas
“We lost coverage when my husband switched jobs. Within a day Better Choice had a plan in place — no waiting for open enrollment. Such a relief during a stressful month.”
Danielle P.
Mom of three · Florida
“Retired at 62 and needed a bridge to Medicare. My advisor laid out three clear options, never pushed, and helped me choose. Genuinely good people.”
Greg T.
Early retiree · Arizona
“As a travel nurse I needed a network that works across states. They understood instantly and matched me with a broad PPO. Couldn't recommend them more.”
Aisha M.
Travel nurse · North Carolina
“My COBRA was about to end and the cost was insane. Better Choice found me comparable coverage for a fraction of the price. The whole call took fifteen minutes.”
Brian K.
Between jobs · Ohio
“As a 1099 consultant I never knew where to start. My advisor walked me through networks, deductibles, everything — in plain English. No pressure at all.”
Priya N.
1099 consultant · Illinois
“We run a small restaurant and needed something flexible month to month. They matched us with a plan that fit our budget and kept our family doctor in network.”
Carlos M.
Small business owner · California
“I was paying full price on the exchange because I earn too much for a subsidy. Better Choice saved me over $400 a month with a broader network. Wish I'd called sooner.”
Renee D.
Nurse practitioner · Tennessee
“Drive rideshare full time, so I have zero benefits. My advisor found me real PPO coverage I could actually afford and answered every question after 8pm. Great service.”
Jasmine W.
Rideshare driver · Nevada
“Both of us retired early and needed to bridge a few years to Medicare. They compared several carriers and found a plan that kept both our specialists. Very patient team.”
Tom & Linda H.
Early retirees · Michigan
“Freelancing means my income jumps around. They found a plan I can adjust as things change, with no long lock-in. Straightforward and honest the whole way.”
Sofia G.
Freelance writer · Colorado
“After my hours got cut I lost my work plan. Better Choice had me covered within a day and the price was better than I expected. Real people who actually call you back.”
Kevin B.
Warehouse lead · Pennsylvania
“I'm self-employed and the Marketplace wanted $760 a month from me. Better Choice found a PPO that kept my same doctors for nearly half that. My advisor actually explained every number.”
Marcus R.
Freelance designer · Texas
“We lost coverage when my husband switched jobs. Within a day Better Choice had a plan in place — no waiting for open enrollment. Such a relief during a stressful month.”
Danielle P.
Mom of three · Florida
“Retired at 62 and needed a bridge to Medicare. My advisor laid out three clear options, never pushed, and helped me choose. Genuinely good people.”
Greg T.
Early retiree · Arizona
“As a travel nurse I needed a network that works across states. They understood instantly and matched me with a broad PPO. Couldn't recommend them more.”
Aisha M.
Travel nurse · North Carolina
“My COBRA was about to end and the cost was insane. Better Choice found me comparable coverage for a fraction of the price. The whole call took fifteen minutes.”
Brian K.
Between jobs · Ohio
“As a 1099 consultant I never knew where to start. My advisor walked me through networks, deductibles, everything — in plain English. No pressure at all.”
Priya N.
1099 consultant · Illinois
“We run a small restaurant and needed something flexible month to month. They matched us with a plan that fit our budget and kept our family doctor in network.”
Carlos M.
Small business owner · California
“I was paying full price on the exchange because I earn too much for a subsidy. Better Choice saved me over $400 a month with a broader network. Wish I'd called sooner.”
Renee D.
Nurse practitioner · Tennessee
“Drive rideshare full time, so I have zero benefits. My advisor found me real PPO coverage I could actually afford and answered every question after 8pm. Great service.”
Jasmine W.
Rideshare driver · Nevada
“Both of us retired early and needed to bridge a few years to Medicare. They compared several carriers and found a plan that kept both our specialists. Very patient team.”
Tom & Linda H.
Early retirees · Michigan
“Freelancing means my income jumps around. They found a plan I can adjust as things change, with no long lock-in. Straightforward and honest the whole way.”
Sofia G.
Freelance writer · Colorado
“After my hours got cut I lost my work plan. Better Choice had me covered within a day and the price was better than I expected. Real people who actually call you back.”
Kevin B.
Warehouse lead · Pennsylvania
4.9/5average rating · 1,200+ members helped nationwide
Questions, answered
Questions people ask before getting covered
Straight answers about private PPO coverage, costs, and how Better Choice works.
Better Choice Health Plans is an independent health insurance brokerage. Rather than selling one company's products, our licensed advisors compare private PPO plans from major national carriers and help you pick the coverage that fits your budget, your doctors, and your health needs — at no cost to you.
Still have questions? Talk to a licensed advisor.
No obligation · free plan review
Make the better choice for your coverage — start with one quick question
See your private PPO plan options in under 2 minutes — or talk to a licensed advisor now. Free & no obligation.