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.

Personal Trainers • Self-Employed

Health Insurance for Personal Trainers & Gym Owners

Fast take: Most trainers and studio owners are 1099 or self-employed, with no group plan. The good news: you’re usually a healthy demographic — exactly what private medically underwritten PPO plans reward with lower premiums. We compare that against marketplace plans so you get the best value for your health and income.

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Coverage that rewards your health

Your health works in your favor

Underwritten PPO plans price on health — fit trainers often pay less
Frequently below full-price marketplace rates
A broader nationwide network

Coverage that moves with you

Train clients in multiple locations? A nationwide PPO covers you
Covered across state lines for travel or competitions
Enroll any time of year

1099 at a gym? You count as self-employed and have the same private and marketplace options as any independent earner. We walk you through both and confirm your doctors are in-network before you pick.

Get coverage that rewards your health

Free call — we compare marketplace and private PPO for your situation and your doctors. No pressure.

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Frequently asked questions

Why would a private PPO be cheaper for me?

Because it’s priced on your health, not your income. Healthy trainers often underwrite well and pay less than full marketplace price — while getting a wider network. We confirm by comparing both.

I’m 1099 at a gym — do I count as self-employed?

Yes. As a 1099 trainer you buy your own coverage, and you have the same private and marketplace options as any self-employed person. We’ll walk you through both.

Can I enroll outside open enrollment?

Private PPO plans enroll year-round. Marketplace requires open enrollment or a qualifying life event.

Do you cover studio owners with a small team?

Yes — we can look at individual coverage for you plus options if you want to help cover a few staff.

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.