Coverage for individuals, families, and the self-employed — chosen around your doctors, your budget, and your life, not a one-size-fits-all policy.
Built around you
Private PPO options with the doctors and prescriptions that matter to your household.
Personal health insurance is coverage you choose for yourself or your household, outside of an employer. That independence is powerful — it means the plan is built around your doctors,your prescriptions, and your budget, and it doesn’t vanish when a job ends.
The hard part is that the choice is rarely obvious. Plan types, networks, deductibles, and premiums all interact in ways a brochure can’t show you. Francy’s job is to make those tradeoffs clear in plain language, so the decision is yours and informed.
The plan types, in plain English
Most people are choosing between three paths. Here’s what each one really means.
Broader networks and no referral to see a specialist — and often a better fit when you don’t qualify for a subsidy.
ACA plans that can be subsidized based on income — a strong option when you qualify for a premium tax credit.
Keeps your employer plan, but you pay the full premium plus a fee. Francy frequently finds private PPO alternatives that cost less and cover more.
The rule of thumb Francy uses: if you don’t qualify for a subsidy, a private plan often gives you more flexibility for the same or lower cost. She runs the real comparison for your situation — you don’t have to guess.
Start with the one that sounds like you — each has its own detailed page.
Personalized guidance to help you and your family find coverage designed around your needs, priorities, and budget — not a one-size-fits-all policy.
Learn more
For freelancers, consultants, contractors, and independent professionals — a plan that comes with freedom and is built around your personal and professional needs.
Learn moreCoverage shaped by who is on the plan and what care actually matters to you.
Which doctors, specialists, and prescriptions matter is settled before comparing any plan.
Premiums and out-of-pocket costs weighed together, so a low premium doesn’t hide a painful deductible.
Broader-network plans beyond what the Marketplace shows you.
Clear, plain-language explanations so the choice is yours and informed.
Support that lasts beyond enrollment as your life changes from year to year.
Your situation and budget come before any plan is mentioned.
Options laid out side by side in plain language — no fine-print surprises.
You decide what fits, on your timeline. Francy never pushes.
Support that lasts past enrollment as your life changes.
Personal health insurance is coverage you choose for yourself or your household, outside of an employer. It includes private PPO plans and Marketplace (ACA) plans — and Francy helps you compare both so the plan fits your doctors, budget, and life.
The Marketplace (healthcare.gov) offers subsidized plans based on income. Private plans are sold outside it and often offer different networks and benefits — especially PPO options. Francy explains both so you can choose what fits.
Not always — but a PPO usually means a larger network and no referral to see a specialist, which is what many families and self-employed people want most. Francy walks through whether a PPO fits your situation.
Yes. Self-employed coverage can be built around a budget you set, not an employer’s assumptions — often with a real alternative to expensive COBRA. Francy helps you find a plan that fits variable income.
Open Enrollment runs once a year, but life changes like a job change, marriage, a new baby, or losing coverage can open a Special Enrollment Period any time. Francy can tell you what applies to you.
Typically nothing out of pocket — independent advisors are compensated by carriers, so the premium is the same whether you enroll with help or on your own. Francy confirms the details for your situation.
Still have a question?
Francy is happy to answer anything in a free, no-pressure conversation.
Everyone’s situation is different. Start with a free, no-pressure conversation about your health coverage needs.
