Overpaying for a plan you didn't choose? There's likely a better fit.
Private PPO coverage for people who don't get a subsidy and are done overpaying — see any doctor in the network, enroll year-round.
The 2-minute version of this whole page.
Why so many people without a subsidy pay full sticker price for a plan that wasn't priced around them, what a private PPO plan actually changes, and who it isn't for — straight answers.
Skip the guesswork. Get to the right plan.
You don't need to sort through a marketplace on your own. Answer a few questions and Calun does the narrowing for you.
Tell Calun your situation
Your ZIP, who needs coverage, and a few quick details. About 60 seconds, no paperwork.
Calun matches the plans
Your answers point to the private PPO plans you're likely to qualify for — across the carriers Calun works with.
Decide on a quick call
Calun walks you through what fits and what it costs. No pressure — you decide, or you don't.
Why people choose a private PPO plan.
What a private plan can offer that the one-size-fits-all default often can't.
The one-size-fits-all default
- A plan you didn't really choose
- Often high deductibles before coverage kicks in
- Often narrower doctor networks
- Enrollment usually limited to once a year
A private PPO plan
- Built around your needs and budget
- Low / no deductible options
- See any doctor in the PPO network
- Enroll year-round in most states
Is a private plan the right fit?
Private PPO coverage tends to fit best if you're:
Paying over $1,000 a month
If your premium keeps climbing, it's worth seeing what else you may qualify for.
Not getting a subsidy
If you don't qualify for a marketplace subsidy, a private PPO plan is often worth comparing.
In good health
If you're generally healthy, you may qualify for more of these plans.
Probably not the right fit if a subsidy covers most of your premium, you're managing serious ongoing conditions, or you qualify for Medicare or Medicaid. The video covers this too — and Calun will tell you straight.
Selected Google reviews of USA Benefits Group agents
Copied from Google. Some shortened.
“Nobody ever explained it to me like this. I’ve talked to several agents before, but this was the first time someone actually took the time to educate me instead of just selling me a plan.”
“…knowledgeable, professional, patient, and courteous throughout the process of finding new insurance coverage.”
“…truly took the stress out of me finding health insurance. I have worked for companies that had insurance so I really did not know who to call or what to do.”
“Insurance when you are self-employed is costly, but I feel like we have good coverage for a good price!”
“…as a business owner I didn’t know where to start and he helped me tremendously along the way. He broke everything down to make sure I understood…”
“…the most honest person I’ve ever dealt with regarding healthcare and health insurance…”
“I needed to find medical coverage for myself until I turn 65… He made the process easy and found me great coverage for an affordable price.”
“The patience he has in helping with insurance is just short of a saint. Best part is how easily he explains everything so you can actually understand”
Calun Nelson
You work with Calun directly — one licensed advisor, start to finish, no call-center handoffs. Calun compares what's available in your state, explains the tradeoffs in plain English, and only recommends a plan that actually fits. The decision stays yours.
Prefer to talk now? Call or text Calun at (813) 328-7062Common questions
Is there any cost to compare?
None. Both the quiz and the call with Calun are free, with no obligation. If nothing's a fit, Calun will say so.
Will I be able to keep my doctor?
These are PPO-network plans, so in most cases you can keep the doctors and hospitals you already use. Calun confirms your providers before anything is decided.
Is this the Health Insurance Marketplace?
No. These are private plans offered by licensed insurance carriers — this isn't the government Marketplace, and this site isn't affiliated with any government agency. If a subsidy covers most of your premium, the Marketplace is likely still your best value.
Can I enroll any time of year?
Generally, yes — these private plans are available year-round, so you're not stuck waiting for a once-a-year window. What's offered varies by state and carrier, and Calun will confirm what's available where you live.
Does my health history affect what I qualify for?
Yes — you'll answer a few quick health questions, and your answers help determine which plans you qualify for, whether you're approved, and at what rate. Many of these plans don't cover pre-existing conditions, and if a marketplace plan's protections serve you better, Calun will tell you so.
What happens after the quiz?
One short call with Calun. Most people grab a time on the calendar right after the quiz; otherwise Calun reaches out by phone or text. That call is where you'll see what you may qualify for and what it would actually cost. No pressure, no obligation.
Find the plan you'd actually choose.
A minute of quick questions is all it takes to see the private PPO coverage you may qualify for. No cost, no obligation, no pressure.
See what I may qualify for →This is a private insurance marketing website, not a government website or the Health Insurance Marketplace, and is not affiliated with or endorsed by any government agency. Plans are offered by licensed insurance carriers; availability, benefits, eligibility, and costs vary by state and carrier and are subject to the terms of the actual policy. This page is for general information and is not medical, legal, or tax advice. This is a solicitation of insurance; coverage is offered through licensed insurance agents/producers. These private plans may not be Qualified Health Plans under the Affordable Care Act and may not cover pre-existing conditions. Any rates shown in the video are samples only and vary by age, state, and health; not all applicants qualify. By submitting the form you agree to be contacted as described in the consent you provide.