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True Path Health Plans
Independent brokerage · all 50 states

Health coverage that fits your life.

We help individuals, families, and the self-employed find flexible private PPO coverage — broad networks, year-round enrollment, and a free review from licensed advisors.

  • Licensed Advisors
  • Private PPO Options
  • Year-Round Enrollment
  • No Pressure Guidance
(850) 608-5088
4.9/5 from 1,200+ members
Free plan finder

Compare your private PPO options

See your plan options

Free & no obligation · licensed advisors

Step 1 of 50%

Start with your state.

Let's find your coverage

Your information is secure and private.

Takes less than 30 seconds · Free review · No obligation

Compare options from nationally recognized carriers

Aetna
Humana
Blue Cross Blue Shield
UnitedHealthcare
Aetna
Humana
Blue Cross Blue Shield
UnitedHealthcare

Carrier availability varies by state, eligibility, and plan type.

See what plans may be available
Why True Path

Guidance you can trust, coverage that travels with you

We're independent — so our only job is matching you with the right plan, not pushing one company's products.

Private-health specialists

We focus exclusively on private PPO coverage — so you get advisors who know these plans inside out, not a call-center reading a script.

Education-first, never pushy

We explain your options in plain English and let you decide. No pressure, no jargon — just clear guidance so you can choose with confidence.

Nationwide plan access

Coverage from major carriers across all 50 states, with broad networks that travel with you and let you keep the doctors you trust.

Find my plan
A friendly licensed True Path advisor

4.9/5 rating

from 1,200+ members

50

states covered

How does your plan compare?

Many people are overpaying for coverage they barely use

See how private PPO options may compare to Marketplace or COBRA plans. Example only — actual prices and benefits vary.

Typical Marketplace plan$750/mo
Private PPO via True Path$300/mo

Save ~$450/mo

That's over $5,400 a year back in your pocket.

Examples shown for illustration only. Plans, pricing, and eligibility vary by state and individual circumstances.

Monthly premium

Marketplace

$750/mo

True Path

$300/mo

Deductible

Marketplace

$15,000

True Path

$0

Telemedicine

Marketplace

$50

True Path

$0

Doctor / specialist visit

Marketplace

$50

True Path

$0 copay

Out-of-pocket max

Marketplace

$25,000

True Path

$3,000

Co-insurance

Marketplace

40%

True Path

100%

Network

Marketplace

HMO — referral

True Path

PPO — any doctor

Coverage area

Marketplace

Limited markets

True Path

Nationwide

See what you qualify for
How it works

Finding affordable coverage is easy

No paperwork marathons. No pressure. Just a clear path from question to coverage.

  1. 01

    Check eligibility

    Answer a few quick questions about your household — it takes under 30 seconds and there's zero obligation.

  2. 02

    Review your options

    A licensed advisor compares private PPO plans side by side and walks you through the best matches for your budget and doctors.

  3. 03

    Secure your coverage

    Pick the plan you love and enroll with confidence. Your advisor handles the paperwork and stays available year-round.

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Who we help

Built for the people the system overlooks

If you're paying full price on the Marketplace or stuck between jobs, a private PPO plan is often the smarter move. These are the situations we specialize in.

Self-Employed

Coverage that doesn't depend on an employer.

Families

One plan that protects everyone you love.

1099 Contractors

Flexible plans that fit variable income.

Early Retirees

Bridge the gap to Medicare with confidence.

COBRA Alternatives

Often far less than COBRA for similar coverage.

Losing Employer Coverage

Get covered fast — no open-enrollment wait.

Start My Free Coverage Review
Industries we serve

Coverage built around how you work

We specialize in the people the traditional system overlooks. Find your situation below.

Self-employed & 1099

Self-employed & 1099

Freelancers, consultants, and contractors who don't get employer coverage.

Real estate agents

Real estate agents

Commission-based pros who need coverage that flexes with their income.

Construction & trades

Construction & trades

Independent builders, electricians, and skilled-trade professionals.

Gig & rideshare drivers

Gig & rideshare drivers

Drivers and delivery pros covering themselves between platforms.

Healthcare & travel nurses

Healthcare & travel nurses

Coverage with a nationwide network that follows you between assignments.

Small business owners

Small business owners

Owners and their teams looking for affordable group or individual options.

Creatives & freelancers

Creatives & freelancers

Designers, writers, and artists building careers on their own terms.

Hospitality & service

Hospitality & service

Restaurant, salon, and service workers who need flexible coverage.

Browse by state

Find coverage in your state

Private PPO plans are available in all 50 states. Click your state on the map or search below.

Private PPO plans available by stateAlaskaHawaiiAlabamaArkansasArizonaCaliforniaColoradoConnecticutDelawareFloridaGeorgiaIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWisconsinWest VirginiaWyoming

Showing 50 of 50 states.

A licensed advisor shaking hands with a satisfied member

Real, licensed advisors in your corner

No call-center scripts. Just expert guidance from people who do this every day — free and with no obligation.

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Questions, answered

Questions people ask before choosing coverage

Straight answers on private PPO plans, enrollment, and how coverage works — so you can decide with confidence.

A private PPO (Preferred Provider Organization) plan is health coverage sold outside the government Marketplace. It uses a broad network of doctors and hospitals, lets you see specialists without referrals, and can be applied for year-round. For healthy individuals and families who don't qualify for a subsidy, a private PPO can offer comparable coverage to a Marketplace plan at a lower monthly premium.

Get started

Ready to find your plan?

Start with your state and a licensed advisor will match you to private PPO plans available in your area — no pressure, no obligation.

  • Licensed advisors, no pressure
  • Year-round enrollment
  • Free plan review — no obligation

See your plan options

Free & no obligation · licensed advisors

Step 1 of 50%

Start with your state.

Let's find your coverage

Your information is secure and private.

Takes less than 30 seconds · Free review · No obligation

Member reviews

Trusted by people like you

Real stories from individuals and families we've helped find coverage. (Illustrative examples.)

“The process was simple, everything was clearly explained, and I felt confident choosing the right coverage.”
JJessica T.Self-employed · TX
“I appreciated the personalized guidance and how easy they made it to understand all my options.”
VVictoria L.Family of four · FL
“They broke everything down in a way that actually made sense and helped me find a plan that fit my budget.”
BBradley O.Freelancer · CO
“The support was great from start to finish, and I never felt pressured at any point.”
SShannon M.Early retiree · AZ
“Clear communication, flexible options, and a smooth experience made this an easy decision for me.”
JJose R.Small business owner · CA
“My coverage finally follows me between assignments. No more gaps every time I switch contracts.”
MMarcus D.Travel nurse · multi-state
“The process was simple, everything was clearly explained, and I felt confident choosing the right coverage.”
JJessica T.Self-employed · TX
“I appreciated the personalized guidance and how easy they made it to understand all my options.”
VVictoria L.Family of four · FL
“They broke everything down in a way that actually made sense and helped me find a plan that fit my budget.”
BBradley O.Freelancer · CO
“The support was great from start to finish, and I never felt pressured at any point.”
SShannon M.Early retiree · AZ
“Clear communication, flexible options, and a smooth experience made this an easy decision for me.”
JJose R.Small business owner · CA
“My coverage finally follows me between assignments. No more gaps every time I switch contracts.”
MMarcus D.Travel nurse · multi-state
“I was about to overpay for COBRA. They found me a PPO plan for a lot less with the same doctors.”
PPriya N.Consultant · NY
“Didn't think I had options without an employer. They proved me wrong and made it painless.”
EEthan W.Rideshare driver · GA
“Finally a plan that fits commission income. The advisor actually listened to my situation.”
KKaren S.Real estate agent · NC
“Straightforward answers, no jargon, no pressure. I knew exactly what I was signing up for.”
TTom B.Contractor · OH
“Year-round enrollment was a lifesaver — I didn't have to wait months to get covered.”
AAisha R.Self-employed · IL
“Lost my employer plan and panicked. They had me covered within days, nationwide network and all.”
DDaniel K.Between jobs · WA
“I was about to overpay for COBRA. They found me a PPO plan for a lot less with the same doctors.”
PPriya N.Consultant · NY
“Didn't think I had options without an employer. They proved me wrong and made it painless.”
EEthan W.Rideshare driver · GA
“Finally a plan that fits commission income. The advisor actually listened to my situation.”
KKaren S.Real estate agent · NC
“Straightforward answers, no jargon, no pressure. I knew exactly what I was signing up for.”
TTom B.Contractor · OH
“Year-round enrollment was a lifesaver — I didn't have to wait months to get covered.”
AAisha R.Self-employed · IL
“Lost my employer plan and panicked. They had me covered within days, nationwide network and all.”
DDaniel K.Between jobs · WA
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