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.

Tradespeople • Self-Employed

Health Insurance for Tradespeople

Fast take: If you run your own trade — electrical, plumbing, HVAC, general contracting — there’s no employer plan, and over the subsidy line the marketplace charges full retail. A nationwide private PPO priced on your health instead of your income usually costs a healthy tradesperson less, with a broader network and year-round enrollment. Here’s how the options compare.

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Coverage built for the trades

Works on every job site

A nationwide PPO travels across state lines and job sites
No narrow single-state HMO network
Keep the doctors and hospitals you already use

Priced on your health, not your income

Trades run physical but healthy — that earns lower premiums
Often cheaper than full-price marketplace over the subsidy line
Enroll any month, not just during open enrollment

Above the subsidy line? The marketplace charges full price, and for a healthy tradesperson a medically underwritten private PPO is frequently the better deal — broader network, lower premium. We compare both so you see the real cost of each.

Let’s find the right plan for your trade

A quick, free call — we compare marketplace and private PPO for your income and your doctors. No pressure.

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Frequently asked questions

Can I get coverage if I earn too much for a subsidy?

Yes. Above the subsidy line the marketplace charges full price, and a private medically underwritten PPO is often cheaper for a healthy tradesperson because it’s priced on health, not income. We compare both so you see the real cost of each.

Does it cover me if I work across state lines?

A private nationwide PPO uses a national network, so you’re covered on jobs in other states — unlike most marketplace HMO plans tied to one state.

Can I enroll outside of open enrollment?

Private PPO plans enroll year-round. Marketplace plans need open enrollment or a qualifying life event. If you missed open enrollment, private options can cover you now.

Is this the same as my liability or workers’ comp insurance?

No — this is your personal and family health coverage (doctors, hospitals, prescriptions), separate from business liability or workers’ comp.

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.