What’s the difference between PPO and HMO plans?

With a PPO you can see any doctor or specialist nationwide without a referral, and still have some out-of-network benefits. With an HMO you choose a primary care doctor, need referrals to see specialists, and are limited to a local network.

Who qualifies for a private PPO plan?

Eligibility varies by state, but private PPO plans are generally a great option for people who don’t qualify for Marketplace tax credits and want more flexibility. Qualification depends on your situation, so it’s worth comparing both options before deciding.

What type of insurance does Find Coverage offer?

Find Coverage specializes in private PPO health insurance, and also has partnerships across Marketplace plans, group plans, and other private options, so we can point you in the right direction for your situation.

Private PPO Health Insurance From One Licensed Agent — Not a Call Center

Q: Are pre-existing conditions covered?

It depends on the condition and how recent it is. Some minor or older conditions may still be accepted, and every situation is different — we’ll be upfront about what to expect before you ever apply.

I’m a licensed insurance agent who specializes in private, off-exchange PPO health insurance — a strong option for many self-employed professionals, families, and 1099 workers, but not for everyone. Whether it’s the right fit depends on your full picture: your health history, the doctors you need to keep, your household situation, and yes, cost and subsidy eligibility too. I’ll walk through it with you honestly, and if private coverage isn’t the right call, I’ll tell you — then help you understand your other paths, including ACA Marketplace, COBRA, or employer coverage, so you’re never left guessing.

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Licensed & Certified

Private PPO Off-Exchange

As featured in Moneywise · Yahoo Finance · SUCCESS

The wrong plan can cost you more when you need it most

Private (off-exchange) health insurance is coverage you buy directly through a licensed agent instead of the government Marketplace. It often gives self-employed professionals, families, and frequent travelers wider PPO networks and more flexible pricing — without inflated Marketplace rates. As a licensed agent (not a call center), I help you compare real options and understand exactly what’s covered before you enroll.

Work one on one with me to explore and understand your coverage options.

✖ No endless call centers

✖ No third party lead generation

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✨Real help when you need it most.

Serving Clients Across 31 States

Whether you're self-employed in Texas, a travel nurse in Michigan, a truck driver crossing state lines, or a family in Florida looking for better coverage, we work with individuals and families across 31 states to find private health insurance plans, PPO options, and affordable coverage solutions that fit your lifestyle and budget.

What We Offer

✔ Private, off-exchange PPO health insurance
✔ One-on-one guidance from a licensed health insurance agent — not a call center
✔ Coverage built around self-employed professionals & 1099 workers across 31 states
✔ An honest fit assessment that looks at your full situation, not just your income
✔ Help understanding ACA, COBRA & employer alternatives when private isn't the fit

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Travel Nurses

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Truck Drivers

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1099 Employees

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Construction Companies

★★★★★

''I want to sincerely thank Thyrza for her excellent service as my health insurance agent. She has been extremely helpful throughout the entire process, taking the time to explain my options and guiding me toward the best plan for my situation. Her professionalism, patience, and knowledge made everything much easier for me.''

Andres Uranga

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Landscape Companies

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Realtors

See all 31 states & find yours →

Health insurance for: self-employed & 1099 · travel nurses · truck drivers · realtors · landscapers · contractors & construction · small business owners

Our Step-by-Step Process to Get You Covered

1. Request your quote

Fill out our quick online form with a few basic details about you and your needs, whether it is for yourself, your family, or your business.

2. We Shop and Compare for You

Once we receive your information, we review all available private PPO and health plan options that fit your situation.

3. Choose and Get Covered

Together, we’ll go over your options so you can choose the plan that best fits your needs. You can submit your application and have coverage start as soon as the next day.

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“My job plan was charging $1,300 a month for my family. Thyrza advised me to keep the job plan for myself and get private insurance for my husband and kids, now I’m paying about half of what I used to!”
~ Ava & Family
“Thyrza made the process easy and painless! I got approved, and my coverage started the very next day.”
~Carlos
“Find Coverage helped me understand how the insurance system works and identify which type of plan was best for my family.”
~ Joyce, Small business

Premium Providers

Coverage from companies you already know and trust

We work with some of the most recognized names in the insurance industry, carriers known for their stability, wide network of providers, and flexible plans designed to fit your life, wherever it takes you.

Got Questions?

We’re happy to help. If you can’t find the info you’re looking for, please don’t hesitate to reach out to us!

Call us (954) 501-5554

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Marketplace (ACA) plans are sold through the government exchange and may qualify for
income-based subsidies. Private, off-exchange plans are bought directly through a licensed agent and aren’t subsidy-eligible, but often offer broader PPO networks and more flexible pricing, a common fit for self-employed people whose income is too high for meaningful
subsidies.

The main difference is flexibility and less hassle.

With a PPO plan, you can see any doctor or specialist anywhere in the country without needing a referral. While it’s always better to stay in network, you still have benefits available for out of network providers.

With an HMO plan, things work a little differently. You’ll choose a primary care doctor who becomes your go-to for all things health-related, and if you need a specialist, you’ll need a referral first. You’re also limited to a local network of providers, and going outside that network usually means paying the full bill yourself.

Eligibility varies by state, but private PPO plans are generally a great option for people who don’t qualify for Marketplace tax credits and are looking for more flexibility in their coverage.
At the end of the day, the qualifying depends on your situation. Like any plan, private PPOs have their strengths and limitations, sometimes a Marketplace plan will be the better fit, and other times a private PPO will check every box you need. That’s why it’s important to explore both options before making a decision.

I specialize in private, off-exchange PPO health insurance. It’s a strong option for many self-employed people and 1099 workers, but whether it’s right for you depends on more than your income — health history, prescriptions, the providers you need in-network, underwriting, your household situation, expected healthcare use, ACA subsidy eligibility, and cost all factor in. When we talk, I’ll walk through your full situation honestly. If private insurance isn’t the right call for you, I’ll tell you, and help you understand where else to look — ACA Marketplace, COBRA, or employer coverage — so you know your options even in cases where I’m not the one enrolling you in them.

It’s a quick health review that helps the insurance company confirm eligibility. It usually involves a few health questions and a phone call with the underwriting team. With your authorization, they may also review your medical history from the last 5-10 years, and in some cases, a brief physical exam may be required depending on your medical background or the plan type.

It depends on the condition and how recent it is, and we’ll always be upfront with you about that. Some minor or older conditions may still be accepted, and every situation is different.

During your consultation, we’ll walk you through everything honestly so you know exactly what to expect before you ever submit an application. No surprises, no fine print you didn’t see coming.

And if a private plan turns out not to be the right fit we’ll help you explore other available options, whether that’s a Marketplace plan, a group plan, or another alternative, so you always have a path to coverage.

Hi, I’m Thyrza, a licensed insurance agent based in South Florida. I specialize in health insurance options for individuals and families, helping people save money and find the right coverage for their unique situation.

Get a personalized quote
No lead generation, no spam, no sales pressure.

NPN: 21702538

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Learn More About Me & My Company

Want to know who you’re working with? I share my full story — where Find Coverage came from and how I work — on my About page.

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Don’t risk your health or finances with the wrong coverage. Let’s get it right the first time with personalized guidance, fast approvals, and protection you can count on.

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