Are You Overpaying for Health Insurance? Here’s a Better Option

If you’re self-employed, health insurance can feel like a necessary evil—expensive, confusing, and often not worth the cost. Maybe you’re stuck paying high ACA marketplace premiums, or your deductible is so high that you never actually use your benefits. The truth is: you don’t have to settle for overpriced, one-size-fits-all plans.

There’s a better, more affordable option for self-employed individuals who are in good health: private, medically underwritten PPO plans. These plans leverage your good health to offer lower premiums and better benefits than traditional marketplace insurance. Let’s break down how you can save money without sacrificing coverage in 2025.

Why Traditional Marketplace Plans Aren’t Built for the Self-Employed

If you don’t qualify for government subsidies, ACA marketplace plans are some of the most expensive options available. Here’s why:

• One-Size-Fits-All Pricing: The marketplace assumes everyone has the same health risks, meaning you pay higher premiums even if you're healthy.

• Limited Networks: Many ACA plans use HMOs or EPOs, restricting you to a local network of doctors—not ideal if you travel or want nationwide coverage.

• High Deductibles: Many self-employed individuals find themselves paying thousands out-of-pocket before their coverage even kicks in.

So, what’s the alternative?

Private PPO Plans: The Smarter Health Insurance Choice for the Self-Employed

Unlike marketplace plans, private PPO options are medically underwritten, meaning they consider your health history before approving coverage. If you're healthy, you can qualify for plans that offer:

• Lower Monthly Premiums: Pay up to 50% less than traditional ACA plans.

• Better Benefits: Lower deductibles, higher coverage limits, and more benefits.

• Nationwide PPO Access: See any doctor, anywhere without referrals.

• No Rate Hikes Due to Unrelated Claims: Unlike ACA plans, your premium isn't inflated by the claims of unhealthy individuals.

Example: One of my clients, a self-employed consultant, was paying $780 per month for a marketplace plan with a $6,500 deductible. By switching to a private PPO plan, his monthly premium dropped to $480, and his deductible decreased to $0—all while keeping better nationwide coverage.

Who Qualifies for Private PPO Plans?

These plans are not available on the ACA marketplace and require basic health screening to qualify. You may be eligible if:

• You are self-employed, a freelancer, or own a small business.

• You don’t qualify for ACA subsidies and are paying full price for health insurance.

• You are generally healthy with no major pre-existing conditions.

• You want better benefits at a lower cost.

If this sounds like you, it’s worth exploring your options.

How to Find the Best Plan for You

Every self-employed professional has different needs, so the best plan for you depends on:

• How often you visit doctors or specialists.

• Whether you need prescription drug coverage.

• If you travel frequently and need nationwide access.

• Your budget and risk tolerance.

The good news? You don’t have to figure it out alone. Organizations like AMB Health Advisors offer resources and support for independent workers seeking health insurance options.

Ready to Stop Overpaying for Health Insurance? Let’s Talk.

If you're tired of overpaying for a plan you barely use, it’s time to explore your private PPO options.

• Schedule a free 10-minute consultation to compare your options and see if you qualify.

• Click Here to Book Your Call

Don’t wait—the sooner you lock in a lower rate, the more you save. Let’s find you a plan that actually makes sense!

Note: Health insurance regulations and availability may vary by state. It's essential to consult with a licensed insurance advisor to explore the best options for your specific situation.