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  • High-priced premiums?

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Private Health Plans

Best-Selling Private Health Plans

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Optimum Health Saver

    First Health PPO Network (Aetna-Owned)

    Enrollment Fee: $50

    Coverage Per Person: $500,000

    Deductible: $5000 Hospital /Otherwise: $0

    Co-Pays: Zero

    Plan Design:

    Budget friendly PPO health plan that delivers national coverage for:
    • Wellness
    • Doctors
    • Urgent Care
    • Surgery
    • Hospitalization
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Maxguard 300 Deductible

    First Health EPO Network (Aetna-Owned)

    Enrollment Fee: Zero

    Coverage Per Person: $1 Million

    Deductible: $300

    Co-Pays:

    • Wellness: $0
    • Primary Doctor: $50
    • Specialist: $50
    • Urgent Care: $50
    • Emergency Room: $300
    • Outpatient Surgery: $1250
  • Co-Insurance: 0% In-Network

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LifeX VL 500 Deductible

    MultiPlan PHCS: Extended PPO Network

    Enrollment Fee: Zero

    Coverage Per Person: $1 Million

    Deductible: $500

    Co-Pays:

    • Wellness: $0
    • Primary: $50
    • Specialist: $50
    • Urgent Care: $50
    • ER: $500
    • Surgery: $1250

No Co-Insurance: Co-pay only plan: 0% extra in-network—no surprises on covered services.

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UHC Premier 5000

    United Healthcare Choice Plus PPO Network

    Enrollment Fee: Zero

    Coverage Per Person: $2 Million

    Deductible: Zero

    Co-Pays:Zero

    Plan Design:

    Budget friendly PPO health plan that delivers national coverage for:
    • Wellness
    • Doctors
    • Urgent Care
    • Surgery
    • Hospitalization
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LifeX MM 500 Deductible

    MultiPlan PHCS: Extended PPO Network

    Enrollment Fee: Zero

    Coverage: Unlimited

    Deductible: $500

    Max OOP: $9200

    Co-Pays:

    • Wellness: $0
    • Primary: $50
    • Specialist: $50
    • Urgent Care: $50
    • ER: $1000
    • Surgery: $2750

    No Co-Insurance: Co-pay only plan: 0% extra in-network—no surprises on covered services.

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LifeX 7250 Deductible

    MultiPlan PHCS: Extended PPO Network

    Enrollment Fee: Zero

    Coverage: Unlimited

    Deductible: $7,250

    Max OOP: $10,600

    Co-Pays:

    • Wellness: $0
    • Primary: $25
    • Specialist: $40
    • Urgent Care: $60
    • Chiropractor: $30

    *Above Co-pays are first-day. No need to satisfy a deductible to utilize the above co-pays.

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GIGCARE 7350 DEDUCTIBLE

    Blue Cross Blue Shield EPO Network

    Enrollment Fee: Zero

    Coverage: Unlimited

    Deductible: $7,350

    Max Out-of-Pocket: $9,200

    Co-Pays:

    • Wellness: $0
    • Primary Doctor: $25
    • Specialist: $40
    • Urgent Care: $100
    • Mental Health Therapy: $25

    *Above Co-pays are first-day. No need to satisfy a deductible to utilize the above co-pays.

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GIGCARE 2500 DEDUCTIBLE

    Blue Cross Blue Shield PPO Network

    Enrollment Fee: Zero

    Coverage: Unlimited

    Deductible: $2,500

    Max Out-of-Pocket: $8,500

    Co-Pays:

    • Wellness: $0
    • Primary Doctor: $25
    • Specialist: $40
    • Urgent Care: $60
    • Mental Health Therapy: $25

    *Above Co-pays are first-day. No need to satisfy a deductible to utilize the above co-pays.

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Start Here

Choose a Plan Direction — Then See What You Qualify For

This is where you narrow it down. Pick the type of plan that fits your situation, then check availability and pricing based on your location and health profile.

  • Compare plan types side-by-side
  • Confirm eligibility in minutes
  • View real options available near you

Compare plan directions

Each type of plan is built for a different situation. This is a starting point to see how they differ and which ones are available based on your location, eligibility, and coverage needs.

Simplified for quick decisions
Option 1

Lower Monthly / Higher Out-of-Pocket

  • Lower monthly commitment
  • Higher deductible before coverage begins
  • Often a fit for low healthcare usage
Usually best when keeping the monthly payment lower matters most.
Option 2

Balanced Plans

  • Moderate monthly cost and deductible
  • More balanced day-to-day cost structure
  • Often a fit for average usage or families
Usually best when you want a middle ground without leaning too far either way.
Option 3

Higher Monthly / Lower Out-of-Pocket

  • Higher monthly cost
  • Lower deductible and easier access to care
  • Often a fit for regular visits or ongoing care needs
Usually best when predictability and easier care access matter more than the lowest monthly entry point.

Who Qualifies

  • Most individuals under age 65
  • Approval may depend on basic health underwriting
  • Some plans may not be ideal for major pre-existing conditions

The fastest way to confirm fit is to review the quote flow and compare available options.

How Fast You Can Get Covered

  • Many plans can begin within days
  • You typically do not need to wait for open enrollment
  • Timing depends on the application and chosen effective date

For many people, speed is one of the main reasons to explore private options.

What Happens After You Apply

  1. Review the plan that best matches your needs
  2. Complete a short application
  3. Receive an approval decision
  4. Choose your effective date
  5. Start using your coverage

In many cases, the process is simpler and faster than people expect.

Want to understand pricing first?

Review average costs and real pricing factors before you move into the quote flow.

Not sure which plan type fits best?

Compare PPO, HMO, and EPO plan structures if you want more context before requesting quotes.

Ready to see what is actually available?

Use the quote flow to check eligibility, compare real options side-by-side, and move toward coverage that fits your needs.

Get Your Personalized Quote
  • No obligation to enroll
  • See eligibility quickly
  • Compare real options side-by-side

Common Questions Before You Enroll

Will my doctor accept this plan?

That comes down to the network. Some private plans give you broad access, while others are more selective. The safest move is to check your specific doctor before enrolling — not just the hospital system.

How quickly can coverage start?

Many plans can start within a few days, especially if you’re applying outside of open enrollment. The exact timing depends on the plan type and how quickly your application is processed.

What happens if I need care soon after enrolling?

You can still use your coverage right away, but not everything is treated the same. Some services or conditions may have waiting periods, so it’s important to understand how the plan handles early use.

Can I switch plans later if my needs change?

You can, but it’s not always automatic. Changing plans may involve a new application or different eligibility rules, so it’s worth choosing something that fits both your current needs and what you expect over time.

Need more detail before deciding: plan types, cost breakdown, or ACA vs private.