Finding the right health insurance can feel overwhelming to many people, but it doesn’t have to be. Whether you’re an individual, looking for options for your family, or working for yourself, there are great health insurance plans available.

You May Not Know…

For years, many people have struggled to find quality health plans with national PPO networks outside of traditional employer-based programs. For some, the reality of giving up good health benefits through an employer has been a deterrent for quitting a job and starting a new journey as a business owner or a gig worker. For others, trying to find quality coverage for dependents who are too expensive to insure on their employer-provided coverage has become a headache.

While the government marketplace offers PPO options in some states, many states have no PPO options on their marketplace platform. This can be frustrating for people who want to continue seeing their current doctors and are struggling to find them in-network with Marketplace options. For those states that do offer PPO options on through the marketplace, many of these networks are limited to the home state only.

Here’s some good news. If you’re relatively healthy, there are many health insurance options available to you. The industry is adapting to give people better options. For example, major medical PPO plans with national PPO networks are now available for individuals, families, the self-employed, and those with 1099 incomes. While some people may not qualify for these plans based on their health histories, many people can qualify and gain access to several great health plan options at great prices.

Why is a National PPO Network So Helpful?

Many people are taking a vested interest in their health and hate the idea of switching doctors when they’ve found great doctors they trust. By having a health plan with a large national PPO (Preferred Provider Organization) network, members can often find their doctors in-network and not go through the hassle of needing to find new ones.

National PPO networks also can be very helpful when people travel outside of their home area. Most of us have experienced illnesses or injuries while traveling. Knowing that your health plan provides coverage in all 50 states can offer great peace of mind.

Why Do Many People Prefer PPO Plans?

Unlike some health plans that limit where you can go, a PPO plan lets you see doctors and specialists across the country—without needing a referral. This is especially helpful if you travel, move frequently, or just want more options when it comes to your healthcare.

What’s the Catch?

So, what’s the catch with these plans? Well, unfortunately many of these plans are not widely advertised and can be difficult to find on your own. Unlike government marketplace plans or employer-sponsored insurance, these options are often offered through private health insurance companies. That’s why working with an independent health insurance broker can be so helpful.

An independent broker has access to many different plans, including those not widely known about, and can help you compare your options. After taking the time to understand your particular health and budget needs, a broker can help find the best coverage for you at the best price.

How Do You Get Started?

If you’re not sure where to start, working with an independent health insurance broker can make the process as simple and stress-free as possible. They do the hard work for you, saving you time and money.

Would you like to learn more about health insurance plans with national PPO networks that might be a good choice for you or your family? Schedule a free consultation to learn more!