Can I keep my doctor with private PPO health insurance?

Yes. We verify your doctors are in-network before you enroll. Our licensed advisors only recommend health insurance plans that include your providers when available.

What is a private PPO health insurance plan?

Private PPO plans are off-exchange health insurance options available only through licensed agents like RKA. They often include broader nationwide networks and different cost structures than marketplace plans.

Do I qualify for health insurance savings?

Many households qualify for income-based premium tax credits on marketplace health insurance plans. Our licensed advisors estimate your monthly contribution and compare marketplace vs private PPO options.

When can I enroll in health insurance?

Private PPO health insurance plans are available year-round. Marketplace plans have Open Enrollment periods and Special Enrollment windows. Speak to one of our licensed advisors to verify what you're eligible for.

Consultants • Self-Employed

Health Insurance for Consultants & Independent Professionals

Fast take: Independent consultants and solo professionals usually earn above the ACA subsidy line — which means the marketplace charges full retail. Compared against a private nationwide PPO priced on your health, a healthy professional often pays less, with a broader network and year-round enrollment. Here’s how it works.

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Built for above-the-subsidy earners

You’re the ideal fit for a private PPO

Over the subsidy line, you pay retail on the marketplace
A private PPO is priced on your health instead of your income
Usually a better deal for a healthy consultant who wants a wide network

A premium that doesn’t move with your income

Consulting income is lumpy — a fixed premium avoids surprises
No marketplace subsidy reconciliation at tax time
Self-employed people can generally deduct their premiums

Travel for work? A nationwide PPO covers you across the country, unlike most single-state marketplace HMO plans — ideal if your clients are in multiple states. We compare marketplace and private PPO side by side so you pick on real numbers.

Compare your options in one free call

We line up marketplace vs. private PPO for your income, health, and doctors. No pressure.

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Frequently asked questions

I make too much for a subsidy — what should I do?

You’re the ideal fit for a private nationwide PPO: priced on health, not income, so a healthy earner usually pays less than full marketplace price for a broader network. We compare both to be sure.

Can I write off my premiums?

Self-employed people can generally deduct 100% of their health premiums (Schedule 1). We’re not tax advisors, but this often makes private coverage even more attractive — confirm with your CPA.

What if I travel for work?

A nationwide PPO covers you across the country, unlike most single-state marketplace HMO plans — ideal if your clients are in multiple states.

Can I switch any time?

Private PPO plans enroll year-round, so you’re not locked to open enrollment.

RKA Insurance Advisors is an independent, licensed health insurance brokerage (NPN 19540130). We compare ACA Marketplace and private, medically underwritten nationwide PPO plans. Private plans are priced on health and subject to medical underwriting — not all applicants qualify. We do not offer Medicare. This content is for informational purposes only and does not constitute insurance, legal, tax, or financial advice. Call (561) 806-9913.