Self-employed & freelancers
No employer plan, no group rate, and 1099 income that moves month to month.
Licensed advisors in all 50 states
Private PPO coverage,
without the six‑week
enrollment window.
Real plans from nationally recognized carriers, reviewed with you by one licensed advisor who actually picks up the phone. No pressure, ever.
- Pre-existing conditions covered
- Enroll any day of the year
- Broad nationwide PPO networks
- Deductibles as low as $0
USA Health Savings
Step 1 of 5
Let’s find your coverage
Start with your state.
Secure & private. By submitting you agree to be contacted by one licensed advisor.
Plans from nationally recognized carriers
The Honest Comparison
Stop overpaying for coverage that barely covers you.
Typical Marketplace$750/mo
Unsubsidized bronze-tier premium, $5,000+ deductible.
vs
Pre-existing conditions covered
$300/moUnderwritten PPO coverage for a healthy applicant.
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 Value
Monthly premium
Marketplace$750/moUSA Health Savings$300/moDeductible
Marketplace$5,000–$9,000+USA Health SavingsAs low as $0Telemedicine
Marketplace~$50 a visitUSA Health SavingsOften $0Doctor & specialist visits
Marketplace$50+ copaysUSA Health SavingsLow or $0 copaysOut-of-pocket max
Marketplace$18,000+USA Health Savings~$3,000Co-insurance
MarketplaceOften 40% on youUSA Health SavingsUp to 100% coveredDoctor networks
MarketplaceNarrow local HMOsUSA Health SavingsBroad nationwide PPOsEnrollment window
Marketplace6 weeks a yearUSA Health SavingsAny day of the year
What actually moves the price
Four things set your premium. No secrets.
Tap an option to see how it moves a typical monthly premium.
Typical monthly range
$220 – $295
General example, not a rate or offer. If a subsidy makes the Marketplace cheaper, an advisor will tell you.
Start My Free ReviewIndustries we serve
Built for people whose income doesn't fit a form.
Small business owners
Covering yourself first, then deciding what you can offer a small team.
Contractors & trades
Physical work, seasonal income, and a real need for specialist access.
Realtors & consultants
Commission income that subsidy math handles badly.
Truckers & travel nurses
Care needed in states you don't live in — where narrow networks fail.
Early retirees
The gap between an employer plan ending and Medicare starting.
Restaurant & hospitality
Part-time hours that never quite reach benefits eligibility.
Gig & seasonal workers
Income that swings enough to make a fixed premium the safer bet.
How it works
Four steps. No obligation at any of them.
Coverage by state
Plan availability is a state question. Start with yours.
Hover or tap your state
Licensed advisors serve all 50 states. Plan availability and underwriting rules vary by state.
Member stories
The call usually ends with a clearer decision.
The advisor told me my wife's subsidy made the Marketplace cheaper for her, and put me on a private plan by myself. Two plans, less money.
I lost coverage in March. Open enrollment was eight months away. That was the whole problem, and it took one call to solve.
I asked about a condition I assumed would disqualify me. It didn't. What I needed was someone to actually read the exclusions with me.
He walked me through what the plan does not cover before he told me what it does. That is the part I did not expect.
I drive through six states in a week. A local HMO was never going to work and nobody had said that out loud before.
One call, one follow-up email, then nothing until I answered. After the year I'd had with lead sites, that was the selling point.
We were nine months out from Medicare and the COBRA number was absurd. The gap plan cost less than half.
My income is different every month. She built the comparison around that instead of asking me to guess a number.
I expected a sales pitch. I got a spreadsheet and a straight answer about the deductible.
They told me my daughter qualified for CHIP and that we should take it. It cost them the bigger sale.
The specialist I already see is out of state. That was the first question he asked, before anything about price.
Applying in June instead of waiting until January was the entire answer. I just did not know that was possible.
One call, then it's your move
Find out what you actually qualify for. It takes about 30 seconds.
USA Health Savings
Step 1 of 5
Let’s find your coverage
Start with your state.
Secure & private. By submitting you agree to be contacted by one licensed advisor.
Five questions, one licensed advisor, zero pressure. If private coverage isn't your best option, we'll tell you that instead.
- No SSN, no date of birth, no income questions.
- Your details go to one advisor and are never sold.
- Submitting starts a review — it is not an application.