Frequently Asked Questions
Everything you need to know about private PPO health insurance, 1099 tax deductions, and network coverage.
How are private PPO health plans different from ACA state exchange plans?
Private market PPO plans use health-based underwriting rather than community rating. Because healthier individuals and families are enrolled together, premiums are often 30% to 50% lower than unsubsidized marketplace plans, while providing open nationwide PPO network access with no gatekeepers or referral requirements.
Can I write off 100% of my health insurance premiums if I'm self-employed?
Yes! Under IRS Schedule 1 (Form 1040, Line 17), eligible self-employed individuals, independent contractors, freelancers, and sole proprietors who have net profit can deduct 100% of their health insurance premiums as an above-the-line tax deduction.
Can I keep my current doctors and hospitals?
Private PPO plans tap into the nation's largest provider networks such as MultiPlan and PHCS, encompassing over 1.1 million physicians and hospitals across all 50 states. You can use our Doctor Directory Lookup tool or speak directly with an advisor to verify specific NPI numbers.
Is there an open enrollment deadline for private PPO plans?
No. Unlike government exchange plans that restrict enrollment to a few weeks at the end of the year, private market PPO plans are available year-round. You can enroll on the 1st or 15th of any month.
Do I need a doctor's referral to see a medical specialist?
Never. With private PPO plans, you have direct access to any in-network specialist, surgeon, or facility nationwide without needing a primary care referral.
Have a specific medical or plan question?
Our licensed PPO specialists are available to answer all questions without pressure.