Independent brokerage · Self-employed specialists

Private PPO health plans for the self-employed.

Standard Procedure Healthcare is an independent brokerage contracted directly with national carriers. Compare private PPO plans sold through licensed brokers, not on HealthCare.gov, alongside ACA Marketplace plans with one licensed advisor.

Book a 15-minute call

Private PPO and ACA plans in one review
FFM-certified for Marketplace enrollment
No fee to compare or enroll
Your information is never sold

IndependentNot owned by or tied to any one insurance company

Private PPO accessPlans sold through licensed brokers, not on HealthCare.gov

FFM-certifiedCertified to enroll you in ACA Marketplace plans

$0 to compareCarriers pay us. Working with us adds no fee

Plans we offer

Two ways to get covered. We'll show you both.

Most agents sell one or the other. We're contracted for private plans and certified for the Marketplace, so the recommendation follows your situation, not our inventory.

Private health plansOur specialty

Private PPO plans

Off-exchange plans from national carriers, available through licensed brokers. Often a strong fit for healthy self-employed people who earn too much for meaningful ACA savings.

National PPO networks available on many plans
Apply year-round, no Open Enrollment window
Coverage can start in as little as days after approval
Most require health questions. Some limit pre-existing conditions

ACA MarketplaceFFM-certified

ACA Marketplace plans

Government-regulated plans with income-based savings. We're certified to enroll individuals and families and to help estimate what you qualify for.

Premium tax credits based on household income
Pre-existing conditions are always covered
All ten essential health benefits included
Enroll during Open Enrollment or with a qualifying life event

Life insuranceTerm · Whole life · IUL

Life insurance, including IUL

Protection for the people who depend on your income. We compare term, whole life and indexed universal life (IUL) from national carriers, and explain in plain terms how each policy works before you apply.

Term life for a set number of years at a fixed premium
Whole life and IUL for coverage designed to last your lifetime
IUL cash value can earn interest linked to a market index, with a floor against index losses
Approval and rates depend on age and health. IUL has caps and policy charges and is not a direct investment in the market

Who we help

Built for people without an HR department.

We help individuals and families of every kind. Our specialty is the self-employed, because that's where the choices are hardest and the generic advice is worst.

Our specialty

Self-employed & 1099 earners

Contractors, consultants, real estate and insurance agents, creators, drivers and freelancers. When income moves month to month, the right plan depends on numbers most agents never ask about.

Private PPO and ACA compared on the same screen
Help projecting ACA savings from variable income
Coverage that stays with you between clients
A review every year as your income changes

Households

Individuals & families

One plan for the whole household, or separate plans when that costs less.

Owners

Small business owners

Coverage for you and your family, with options for a small team where available.

Transition

Leaving a job

Alternatives to COBRA and help using a Special Enrollment Period.

Pre-Medicare

Early retirees

Bridge coverage from your last day of work until Medicare starts.

How it works

The same procedure for every client.

The name is the promise. Four steps, in the same order, whether you need one plan or a family of five covered.

Tell us the basics

Six short questions, about 90 seconds. No medical history and no Social Security number.

Talk to an advisor

A licensed advisor calls or texts at the time you pick to learn your doctors, prescriptions, budget and income.

Compare real rates

Private and Marketplace options side by side with actual carrier rates, including what each plan limits or excludes.

Enroll and stay covered

We complete the application with you and stay your point of contact at renewal and when life changes.

Start with step one. It takes about 90 seconds.

Book a call

Why an independent broker

More options than going direct. Same price.

Premiums are set by the carrier and filed with the state, so buying through a broker doesn't cost more. What changes is how many options you see and who you call afterward.

	Standard Procedure HealthcareIndependent brokerage	One insurance companyBuying direct	HealthCare.gov aloneSelf-service
Carriers compared	Multiple national carriers	That carrier only	Marketplace carriers only
Private PPO plans	Yes	Only their own, if offered	Not available
ACA tax credits	Yes, FFM-certified	Varies	Yes
Private vs ACA advice	Side-by-side recommendation	No	No
After you enroll	Your advisor, by name	Customer service line	Call center
Cost to you	$0 added	$0 added	$0 added

Private vs ACA

Know the trade-offs before you choose.

Here is how the two categories differ in general. Your advisor will show you which apply to you, and will tell you when a private plan is the wrong fit.

	Private PPO plansOff-exchange · varies by plan	ACA Marketplace plansOn-exchange · qualified health plans
Pre-existing conditions	Most plans review health history. Some limit or exclude pre-existing conditions.	Always covered. You can't be denied or charged more for health history.
Price is based on	Age, location, plan design and, for most plans, health.	Age, location and tobacco use, minus any tax credit.
Income-based savings	None.	Premium tax credits based on household income.
When you can enroll	Year-round, subject to approval.	Open Enrollment, or a Special Enrollment Period after a qualifying event.
Networks	Varies by plan. Many use national PPO networks.	Varies by plan. Many are regional HMO or EPO networks.
Often a fit for	Healthy applicants with higher incomes who want broad networks.	Lower or variable incomes and anyone with ongoing health conditions.

General information only. Benefits, exclusions, networks and eligibility vary by plan, carrier and state. Plan documents control.

We recommend what fits. If a Marketplace plan is the better choice for you, that is what we'll recommend.

Carriers

The carriers we work with.

We're contracted with national health, life, dental and supplemental carriers, so your comparison isn't limited to one company's plans.

Not all carriers or plans are available in all states. Carrier names and logos are trademarks of their respective owners.

Where we're licensed

Licensed in 48 states.

Plan availability varies by state and county. Enter your ZIP code in the comparison form and we'll confirm what's available where you live.

Licensed everywhere except South Dakota and Wyoming.

HeadquartersLicensedNot currently licensed

Questions

Answers before you call.

Don't see your question? Ask it on the call. There's no obligation to enroll.

What does it cost to work with you?

Nothing. Licensed brokers are paid by the insurance company when a policy is placed. Premiums are set by the carrier, and working with us does not add a fee.

What are private PPO plans?

They're health plans sold outside the ACA Marketplace by national carriers, through licensed brokers. Many use national PPO networks and accept applications year-round. Most ask health questions, and some limit coverage for pre-existing conditions, so we'll walk you through exactly what a plan does and doesn't cover.

Can you help with ACA Marketplace plans too?

Yes. We're FFM-certified to enroll individuals and families in Marketplace plans and to help estimate the premium tax credit you may qualify for.

Are the prices on this site quotes?

We don't show prices on the site. Premiums depend on age, location and household, and for some plans on health history. You'll see actual carrier rates during your review, and coverage isn't in force until the carrier approves your application.

Can I get coverage outside Open Enrollment?

Often, yes. Private plans accept applications year-round, subject to approval. Marketplace plans require Open Enrollment or a Special Enrollment Period after a qualifying event such as losing other coverage, moving or having a baby.

Will you sell my information?

No. Your details go to Standard Procedure Healthcare only and are used to contact you about the coverage you asked for. You can ask us to stop contacting you at any time.

Get started

See every option you qualify for, private and Marketplace.

Answer six questions and a licensed advisor will prepare a side-by-side comparison for you. No cost, no obligation.

Book a 15-minute call

Phone [(000) 000-0000]

Email [hello@yourdomain.com]

Hours Mon–Thu · 8am–8pm ET

Friday 8am–5pm ET