You're Healthy. Your Insurance Should Be Too.
Why be grouped with high-risk individuals and pay more than you should — especially in states like CA, NY, TX, FL, CT, and AZ? Choose affordable, flexible Private PPO Medical Plans built for real people — and real peace of mind.
📍 Most Popular in CA, NY, TX, FL, CT, AZ
Private PPO plans offer flexibility and savings for healthy individuals and families in high-cost states.
Benefits of Private PPO Plans
- Nationwide PPO access (PHCS & Cigna)
- Reference-Based Pricing (RBP)
- Lower premiums for healthy individuals
- No SEP required — apply anytime
- Month-to-month coverage, cancel anytime
- Calendar-year deductible
- Admin support from TRIAD & Acuity
How It Works
📝 Fill out a quick health questionnaire. Once approved, join a private group with PPO access and flexible terms.
Enroll in 4 Easy Steps
1️⃣ Complete Quick Questionnaire
2️⃣ Review Plan Options & Pricing
3️⃣ Choose Start Date
4️⃣ Get Covered — cancel anytime
Private PPO Plan FAQs
❓ Are these real insurance plans?
✅ Yes — these are real PPO insurance plans with Cigna & PHCS access, administered by TRIAD. Cigna Choice Fund Plan Options
❓ Do I need a qualifying event to apply?
✅ No — you can apply anytime. No Special Enrollment Period (SEP) is required.
❓ Why are premiums lower?
✅ These plans are medically underwritten for healthy individuals, which keeps premiums affordable.
❓ Can I choose my doctor?
✅ Yes — you have PPO access to doctors nationwide with no referrals needed.
❓ Can I cancel anytime?
✅ Yes — month-to-month coverage means you can cancel anytime with no penalties.
❓ Can self-employed people get PPO insurance?
✅ Yes — these plans are ideal for self-employed and 1099 workers needing flexible coverage.
❓ Are these plans good for families?
✅ Yes — affordable and flexible plan options are available for families and couples.
❓ What if I move to another state?
✅ No problem — your PPO plan provides nationwide access through PHCS and Cigna networks.
❓ Can I use this PPO plan when traveling or out-of-state?
✅ Yes — PPO access allows you to use your benefits anywhere in the country.
❓ What happens if my health changes after I enroll?
✅ Your coverage will remain active as long as premiums are paid. However, because plans are medically underwritten, renewal rates may change and, in rare cases, coverage may be discontinued if claims become excessive or costly new medications are added. Always review plan terms for full details.
❓ Are prescriptions included in Private PPO Medical Plans?
✅ Yes — prescription coverage is included. Depending on your plan, prescriptions typically have assigned copays based on the type of medication — such as generic, brand-name, or specialty drugs. Cigna Choice Fund Plan Options
👉 Still have questions? View Full FAQs or Schedule a Free Consultation!
Who Are Private PPO Plans Best For?
✅ Healthy individuals and families seeking PPO flexibility
✅ Self-employed and 1099 workers needing affordable plans
✅ Households earning too much for ACA subsidies
✅ Anyone who wants to choose any doctor without HMO restrictions
Trust and Credibility Section
🏅 Backed by PHCS & Cigna National Networks
🇺🇸 Licensed in 47 States (U.S.-Based Broker)
⭐ Trusted by 1,000s of healthy families nationwide
Availability Notice
⚠️ Not available in: ID, SC, ND, WA
📍 Most Popular in: CA, NY, TX, FL, CT, AZ
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⚡️ Reminder
Plans are medically underwritten — acceptance not guaranteed.
🔎 Note
Plan benefits, rates, availability, and underwriting decisions may vary by carrier and state. Always refer to your specific plan documents for detailed terms and conditions.