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Off-Exchange Health Plans
Quote & Compare our Top Picks for 2023
If your annual income is too high for an ACA Subsidy, and you are in fairly good health, off-exchange plans are probably the right choice for you or your family.
Better Networks (PPO's)
Compare Benefits
Nationwide Coverage
Nerd Alert!
We've recently added a new #1 pick to our top off-exchange plans for 2023!
Things to Know About Off-Exchange Plans
Best for Healthier People
If you have a major pre-existing condition, like heart disease, cancer, or diabetes, stick with on-exchange health plans.
Smaller conditions like high blood pressure, cholesterol, or past injuries, are just fine.
Purchased in Terms
You can purchase insurance for as little as a month, or as long as 3 years.
If you want insurance for the long term, we recomend at least 2 years, or 1 year with option for renwal.
Save You Money
If you don't get a subsidy, off-exchange plans are much less expensive than on-exchange. They also normally give you access to National PPO's.
They may not always cover "Essential Health Benefits"
Our Top 3 Off-Exchange Health Plans for 2023
Based on our criteria, your best bang for your buck!
UnitedHealthcare Hybrid PPO
(Tri-Term + HospitalProtectorGuard)
4.8
Combines a high deductible major medical for large bills with a quality indemnity plan for doctor visits, labs, and other smaller bills for truly comprehensive coverage
UnitedHealth Choice + PPO : One of the largest nationwide PPO networks..see the doctor YOU choose!
3 Year Rate Guarantee
Basics
Deductible
customized
Network
PPO
Price
$$$$
Combines a high deductible major medical for large bills with a quality indemnity plan for doctor visits, labs, and other smaller bills for truly comprehensive coverage
Philadelphia American Hybrid PPO
(HSP Gold + Specified Disease)
4.6
FirstHealth PPO - A Large Nationwide PPO Network
Guaranteed Renewable to Age 65!
Basics
Deductible
customized
Network
PPO
Price
$$$
NetWell HealthShare
(not insurance)
4.6
HealthSharing Plan - an alternative to traditional insurance. A ministry to share the health bills of like minded people
PHCS PPO - A Large Nationwide PPO Network
Health Sharing may. not be for everyone.
Basics
Deductible
see healthshare
Network
PPO
Price
$$$
Best "Traditional" Major Medical Plan
Allstate Short-Term Major
Medical PPO
4.7
Basics
Deductible
customized
Network
PPO
Price
$$$
A traditional short-term major medical, with terms up to 3 years of coverage!* (varies by state)
AETNA OpenChoice - A Large Nationwide PPO Network
Offered by Allstate, a name you can trust.
