Compare
Six comparisons, written to be argued with.
Each of these says plainly where the other option beats private PPO coverage. That is not modesty — it is the only way a comparison is worth reading.
01Private PPO vs. ACA Marketplace Plans
The Marketplace is the better deal for households with a real subsidy. For everyone else the math turns, and it turns hard.
Read the comparison
02Private PPO vs. COBRA Coverage
COBRA keeps the exact plan you already have. What it does not keep is the employer paying for most of it.
Read the comparison
03Private PPO vs. Short-Term Health Plans
Short-term plans are cheap because they are temporary and thin. Knowing exactly how thin is the entire decision.
Read the comparison
04Private PPO vs. Health Sharing Plans
Health sharing ministries are not insurance. That is not a criticism — it is the single most important fact about them.
Read the comparison
05Private PPO vs. HMO Plans
An HMO trades access for price. Whether that is a good trade depends almost entirely on where you receive care.
Read the comparison
06Losing employer coverage: your options.
You have four real paths and a 60-day window. Here they are in the order most people should consider them.
Read the comparison
How to read these
Every comparison follows the same four rules.
The alternative can win
Each page says plainly who is better off with the other option, and why.
Comparisons, not rates
Figures show how plans tend to differ. Your actual premium depends on age, state and health history.
Networks before premiums
A cheap plan that does not include your doctors is not cheap. Start there.
Subsidies get checked first
If a Marketplace tax credit is large for your household, take it. We will say so.
The Honest Comparison
Stop overpaying for coverage that barely covers you.
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
Still deciding
A licensed advisor can run all of them side by side.
- We review your detailsOne licensed advisor reads your five answers.
- You get a quick callA single call to talk through real options.
- You decideTake a plan, take more time, or walk away.
USA Health Savings
Let’s find your coverage
Start with your state.
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Five questions, about 30 seconds. One advisor calls you once.
- 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.