Proudly serving American families
Health insurance for hard-working Americans
You work hard for your money. Your health insurance should not take so much of it. Healthy American families who pay full price often pay 30–50% less on a private PPO plan — with a big nationwide network and the freedom to keep your own doctor. See the real math before you renew anything.
What would your family pay? Start with your state.
Your information is transmitted securely and handled as described in our Privacy Policy. Takes less than 30 seconds. No obligation, ever.
Plans from nationally recognized carriers
Carrier availability varies by state and plan. All trademarks are the property of their respective owners.
★ American families★ Your own doctor★ Coverage coast to coast★
The Real Math, Up Front
Premium, deductible, and out-of-pocket max added together — the real cost, not the teaser rate. We show you the whole number for every option before anyone talks enrollment.
Every Option on the Table
Private PPO, marketplace with your actual subsidy, COBRA, short-term — compared side by side in plain English. When another road is cheaper for you, we say so.
A Licensed Agent, Not a Call Center
A licensed insurance agent from one of our Marketing Partners runs your numbers and walks you from first question to enrolled — at no cost to you, ever.
★ ★ ★ The real math ★ ★ ★
How does your plan compare?
A typical healthy family of four, paying full price after the enhanced subsidies expired.
| What matters | Unsubsidized Marketplace | Private PPO (underwritten) |
|---|---|---|
| Typical monthly premium | ✕Often $1,200–$1,900+ | ✓Often $400–$800 |
| Network | ✕Narrow local HMO/EPO common | ✓Nationwide PPO |
| Deductible options | ✕High on affordable tiers | ✓Flexible, incl. $0-deductible designs |
| Keep your own doctor | ✕Only if in this year's network | ✓Broad choice, no referrals |
| When you can enroll | ✕Open enrollment / life events | ✓Any month of the year |
| Health questions | ✕None — everyone accepted | ✓Yes — approval required |
Ranges are illustrative, not quotes. Underwritten plans aren't for everyone — subsidy-eligible households and those with significant conditions often do better on the marketplace, and we'll tell you so.
★ ★ ★ The American way ★ ★ ★
Freedom to choose, in three easy steps
Check Your Eligibility
Tell us your state, household, and a bit of health history. In minutes, your advisor can tell you whether underwritten private coverage is realistic for your family — before anyone fills out an application.
Review Your Options
See real plans side by side against your marketplace or COBRA numbers — premiums, deductibles, and networks in plain English, with the tradeoffs stated out loud.
Secure Your Coverage
Apply with your advisor's help, clear underwriting, and your coverage can begin within days — any month of the year.
Thirty seconds on your phone. That's all it takes.
Pick your state, answer a few basics, and a licensed advisor calls you back with the real numbers — private PPO, marketplace, and COBRA side by side. No portal, no password, no fifteen-page application before a human ever talks to you.
- ✓ Works on any device — or just call
- ✓ A licensed agent, not a call-center queue
- ✓ Shared only with our Marketing Partners
Ready to find your plan?
Your information is transmitted securely and handled as described in our Privacy Policy. Takes less than 30 seconds. No obligation, ever.
Coverage built for the people who built this country
Truckers, farmers, builders, small-business owners. If you work for yourself, retired early, or got priced out of the marketplace, you're in the right place.
See your match in seconds
Slide, tap, and get a directional monthly range for your household.
Estimated monthly range
$405–$585
A directional estimate for a healthy household of 3 in Texas. Your real rate depends on underwriting — an advisor can pin it down in one call.
Get My Real Number★ ★ ★ From sea to shining sea ★ ★ ★
Find coverage in your state
Private PPO health insurance plans in 43 states. Tap yours to see how coverage works where you live.
Frequently asked questions
Is private health insurance legitimate?
Yes — these are fully insured, medically underwritten plans from established carriers, regulated by your state's department of insurance. They sit outside the ACA marketplace and work differently: applicants answer health questions and can be declined, which is exactly why approved households often pay considerably less.
How is Liberty Health different from the ads I see online?
We're an advisory practice, not a lead farm. Your number isn't sold to twelve call centers — one licensed advisor handles your case, and our first job is education. If the honest answer is that a subsidized marketplace plan or Medicaid serves you better, that's the answer you'll get.
What if I have pre-existing conditions?
Underwritten plans review your health history, and significant ongoing conditions can mean a decline — we won't sugarcoat that. In that case the ACA marketplace, which cannot decline you, is usually your better road, and your advisor will help you understand that option instead.
Am I locked into a contract?
No. These plans are month to month — if your situation changes, you can leave without penalties. We'd rather keep you with good service than fine print.
What does your service cost?
Nothing, ever. Advisors are compensated by carriers at enrollment, the same way most brokers are — your premium is the same with or without us. The education and comparisons are free either way.
How fast can coverage start?
There's no open-enrollment window on private plans. After underwriting approval — often a matter of days — your coverage can begin, any month of the year.
Ready to find the right health insurance for you?
Ten minutes on the phone with a licensed Liberty Health advisor and you'll know what every option really costs — even if the honest answer is that the marketplace suits you better.
Mon–Fri, 8am–6pm CT