Self-Employed
Coverage that doesn't depend on an employer.
Licensed in all 50 states
The freedom to choose better health coverage.
Private PPO plans for individuals, families, and the self-employed — broad nationwide networks, year-round enrollment, and often hundreds saved every month.
- Licensed Advisors
- Private PPO Options
- Year-Round Enrollment
- No Pressure Guidance
(209) 542-1700
4.9/5 from 1,400+ members
Free plan finder
See how much you could save
See your plan options
Free & no obligation · licensed advisors
Step 1 of 50%
Start with your state.
Let's find your coverage
Your information is secure and private.
Takes less than 30 seconds · Free review · No obligation
Year-round enrollmentAll 50 statesSave $400+/moLicensed American advisorsBroad PPO networksNo obligationYear-round enrollmentAll 50 statesSave $400+/moLicensed American advisorsBroad PPO networksNo obligation
Trusted national carriers
Compare options from America's most recognized names
Carrier availability varies by state, eligibility, and plan type.
0
States covered
$0+
Avg. yearly savings*
0 sec
To see your options
0.0
From 1,400+ members
*Illustrative example vs. unsubsidized Marketplace premiums; individual results vary.
Why FreedomIndependent guidance.
Independent guidance.
Coverage that travels with you.
We're an independent American brokerage — our only job is matching you with the right plan, not pushing one company's products.
50
states covered
4.9/5 member rating
“Real advisors. Real answers. Zero pressure.”
The promise behind every Freedom call
Private-coverage specialists
We focus exclusively on private PPO coverage — so you get advisors who know these plans inside out, not a call-center reading a script.
Education-first, never pushy
We explain your options in plain English and let you decide. No pressure, no jargon — just clear guidance so you can choose with confidence.
Freedom in all 50 states
Coverage from major carriers coast to coast, with broad networks that travel with you and let you keep the doctors you trust.
Your free plan review takes 30 seconds.
No obligation. No spam. Just your real options.
How does your plan compare?
Stop overpaying for coverage you barely use
See how private PPO options may compare to Marketplace or COBRA plans. Example only — actual prices and benefits vary.
Typical Marketplace plan$750/mo
Private PPO via Freedom$300/mo
Save ~$450/mo
That's over $5,400 a year back in your pocket.
Examples shown for illustration only. Plans, pricing, and eligibility vary by state and individual circumstances.
Feature
Marketplace
Best valueFreedom
Monthly premium
$750/mo
$300/mo
Deductible
$15,000
$0
Telemedicine
$50
$0
Doctor / specialist visit
$50
$0 copay
Out-of-pocket max
$25,000
$3,000
Co-insurance
40%
100%
Network
HMO — referral
PPO — any doctor
Coverage area
Limited markets
Nationwide
Monthly premium
Marketplace
$750/mo
Freedom
$300/mo
Deductible
Marketplace
$15,000
Freedom
$0
Telemedicine
Marketplace
$50
Freedom
$0
Doctor / specialist visit
Marketplace
$50
Freedom
$0 copay
Out-of-pocket max
Marketplace
$25,000
Freedom
$3,000
Co-insurance
Marketplace
40%
Freedom
100%
Network
Marketplace
HMO — referral
Freedom
PPO — any doctor
Coverage area
Marketplace
Limited markets
Freedom
Nationwide
How it works
Three simple steps to better coverage
No paperwork marathons. No pressure. Just a clear path from question to coverage.
- 1
Under 30 seconds
Check eligibility
Answer a few quick questions about your household — it takes under 30 seconds and there's zero obligation.
- 2
Same day
Review your options
A licensed advisor compares private PPO plans side by side and walks you through the best matches for your budget and doctors.
- 3
Coverage in days
Secure your coverage
Pick the plan you love and enroll with confidence. Your advisor handles the paperwork and stays available year-round.
Who we help
Built for the people the system overlooks
If you're paying full price on the Marketplace or stuck between jobs, a private PPO plan is often the smarter move. These are the situations we specialize in.
Families
One plan that protects everyone you love.
1099 Contractors
Flexible plans that fit variable income.
Early Retirees
Bridge the gap to Medicare with confidence.
COBRA Alternatives
Often far less than COBRA for similar coverage.
Losing Employer Coverage
Get covered fast — no open-enrollment wait.
Industries we serve
Coverage built around how you work
We specialize in the people the traditional system overlooks. Find your situation below.
Self-employed & 1099
Freelancers, consultants, and contractors who don't get employer coverage.
See my plan options
Real estate agents
Commission-based pros who need coverage that flexes with their income.
See my plan options
Construction & trades
Independent builders, electricians, and skilled-trade professionals.
See my plan options
Gig & rideshare drivers
Drivers and delivery pros covering themselves between platforms.
See my plan options
Healthcare & travel nurses
Coverage with a nationwide network that follows you between assignments.
See my plan options
Small business owners
Owners and their teams looking for affordable group or individual options.
See my plan options
Creatives & freelancers
Designers, writers, and artists building careers on their own terms.
See my plan options
Hospitality & service
Restaurant, salon, and service workers who need flexible coverage.
See my plan optionsSwipe to explore →
Coast to coast
Find coverage in your state
Private PPO plans are available in all 50 states. Click your state on the map or search below.
Tap any state to explore local coverage
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Showing 50 of 50 states.
Real, licensed advisors in your corner
No call-center scripts. Just expert guidance from people who do this every day — free and with no obligation.
Questions, answered
Questions people ask before choosing coverage
Straight answers on private PPO plans, enrollment, and how coverage works — so you can decide with confidence.
A private PPO (Preferred Provider Organization) plan is health coverage sold outside the government Marketplace. It uses a broad network of doctors and hospitals, lets you see specialists without referrals, and can be applied for year-round. For healthy individuals and families who don't qualify for a subsidy, a private PPO can offer comparable coverage to a Marketplace plan at a lower monthly premium.
Get started
Ready to find your plan?
Start with your state and a licensed advisor will match you to private PPO plans available in your area — no pressure, no obligation.
- Licensed advisors, no pressure
- Year-round enrollment
- Free plan review — no obligation
See your plan options
Free & no obligation · licensed advisors
Step 1 of 50%
Start with your state.
Let's find your coverage
Your information is secure and private.
Takes less than 30 seconds · Free review · No obligation