Health insurance is one of those things most people don’t think about — until they really need it. But waiting can cost you, both financially and emotionally. With Marketplace prices continuing to rise in 2025, many individuals and families are realizing that private PPO plans can offer more flexibility, better networks, and often significant savings.

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1. Lower Monthly Costs Without Losing Coverage

If you don’t qualify for government subsidies, Marketplace plans can be shockingly expensive — with high premiums, higher deductibles, and maximum out-of-pocket costs that can reach tens of thousands per year.

That’s the type of client who’s often better off going private. Private PPO plans can provide:

• Lower monthly premiums
• Lower deductibles
• Access to stronger nationwide networks

Because private plans aren’t based on your income, you can choose a plan that fits your budget instead of being locked into high ACA prices.

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2. Freedom to Choose Your Doctor — Anywhere

Private PPO plans give you the freedom to choose your own doctors and hospitals — nationwide. You don’t need referrals, and you can keep your preferred specialists even if you move or travel.

That flexibility makes private plans especially popular with:

• Travel nurses
• Truck drivers
• Remote professionals
• Self-employed individualswho need reliable coverage that follows them everywhere.

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3. No Open Enrollment Deadlines

Unlike Marketplace insurance, private plans are available year-round. Once you’re approved through a short medical underwriting process, your coverage can start as soon as the next day.

No waiting until November. No penalties for missing a deadline. Just quick, practical coverage when you need it most.

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4. Personalized Guidance — Not a Call Center

At Find Coverage, you’ll never be just a number in a queue. You’ll work directly with a licensed agent who understands your situation, helps you compare real options, and makes sure your plan truly fits your needs and budget.

We take the time to explain what’s covered (and what’s not), so you can make an informed decision with confidence.

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Private health insurance is becoming a smarter choice for more people in 2025 — especially for those who don’t qualify for Marketplace subsidies and are tired of paying more for less.

With lower premiums, better networks, and year-round enrollment, private PPO plans can give you the coverage you need — without the stress or the sticker shock.

👉 Request a quote today and discover how much you could save with a private PPO plan that fits your lifestyle.