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Off-Marketplace Coverage
Private health insurance, for when the Marketplace isn't the best deal
With 2026's subsidy cliff back in force, households that no longer qualify for tax credits are paying full Marketplace price — and for many healthy families, the private market now wins on both cost and network. We quote both sides and show you the honest comparison.
Flagship Option
OneHealth — a real Cigna PPO for the self-employed
Built for 1099 contractors, freelancers, and small-business owners: genuine Cigna PPO network access nationwide, eight deductible options (two HSA-compatible), ICHRA compatibility, and pricing that typically runs 20–40% below comparable unsubsidized ACA plans for those who qualify.
- 1.3M+ Cigna PPO network providers, no referrals
- Available in all 50 states, year-round enrollment
- ICHRA-compatible for employer reimbursement
More private PPO options
When OneHealth isn't the right match, we place clients directly on private PPO plans riding the four largest national networks — useful for specific doctors, multi-state households, and coverage situations the Marketplace handles poorly.
- Blue Cross Blue Shield PPO
- PHCS (Private Healthcare Systems) PPO
- Aetna PPO & First Health PPO networks
Good Fits
Who usually wins on the private market
Above the cliff
Households past the 2026 subsidy cutoff paying full Marketplace price.
1099 & self-employed
Contractors, agents, freelancers, and owner-operators who need real PPO access.
Healthy families
Households that can pass underwriting and want stronger networks for less.
ICHRA employees
Workers whose employer reimburses individual coverage through an ICHRA.
The comparison costs nothing. Guessing wrong costs all year.
Fifteen minutes with a licensed agent gets you Marketplace and private quotes side by side, with the trade-offs on the table.