Honest comparisons. Even when the other option wins.
Every coverage type has a job. Here's where private PPOs shine, where they don't, and how to tell which one fits your life.
Stop overpaying for coverage that barely covers you.
Typical Marketplace
$750/mo
Unsubsidized bronze-tier premium, $5,000+ deductible.
$300/mo
Underwritten PPO coverage for a healthy applicant.
Pre-existing conditions covered
Save ~$450/mo — that's over $5,400 a year back in your pocket.
Actual premiums, deductibles and benefits vary by age, location, health history and the plan selected.
| Feature | Marketplace | Best Value |
|---|---|---|
| Monthly premium | $750/mo | $300/mo |
| Deductible | $5,000–$9,000+ | As low as $0 |
| Telemedicine | ~$50 a visit | Often $0 |
| Doctor & specialist visits | $50+ copays | Low or $0 copays |
| Out-of-pocket max | $18,000+ | ~$3,000 |
| Co-insurance | Often 40% on you | Up to 100% covered |
| Doctor networks | Narrow local HMOs | Broad nationwide PPOs |
| Enrollment window | 6 weeks a year | Any day of the year |
Best ValueMonthly premium
Marketplace
$750/mo
Liberty Health Choice
$300/mo
Deductible
Marketplace
$5,000–$9,000+
Liberty Health Choice
As low as $0
Telemedicine
Marketplace
~$50 a visit
Liberty Health Choice
Often $0
Doctor & specialist visits
Marketplace
$50+ copays
Liberty Health Choice
Low or $0 copays
Out-of-pocket max
Marketplace
$18,000+
Liberty Health Choice
~$3,000
Co-insurance
Marketplace
Often 40% on you
Liberty Health Choice
Up to 100% covered
Doctor networks
Marketplace
Narrow local HMOs
Liberty Health Choice
Broad nationwide PPOs
Enrollment window
Marketplace
6 weeks a year
Liberty Health Choice
Any day of the year
Real options. Real advisors. Zero pressure.
Five questions. About 30 seconds. Then one licensed advisor gives you a quick call — Mon–Fri · 9AM–6PM in all U.S. time zones.
- Pre-existing conditions covered
- Apply any day of the year
- Never sold to third parties
Secure & private. By submitting you agree to be contacted by one licensed advisor.