Helping you find better coverage at better rates!

Better plans do exist… and we’re here to help you find them. We’ve helped thousands find optimal coverage at better rates and huge savings on premiums and deductibles (often 50% less!)

  • For those looking for COBRA alternatives

  • For those looking to bridge gaps in coverage.

  • For first time health insurance buyers.

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Help Me Decide the Right Plan
I Know Which Type of Plan I Want

Navigating the health insurance marketplace can be a daunting task, especially with so many plans and providers to choose from. However, with a little knowledge and preparation, you can find the right health insurance coverage that meets your needs and budget. Here are some things to consider when navigating the health insurance marketplace.

  1. Know the Enrollment Period: The enrollment period for the health insurance marketplace typically runs from November 1 to December 15 each year. However, there may be special enrollment periods for those who have experienced qualifying life events, such as getting married or having a baby. Be sure to check the marketplace website for the current enrollment period and any special circumstances that may allow you to enroll outside of the standard enrollment period.
  2. Determine Your Healthcare Needs: Before you start shopping for health insurance, you need to determine your healthcare needs. Consider your age, medical history, and the type of medical care you require. This will help you determine what type of coverage you need and how much you can afford to pay.
  3. Understand the Different Types of Plans: There are several types of health insurance plans available in the marketplace, including HMOs, PPOs, EPOs, and POSs. Each type of plan offers different benefits and has different networks of healthcare providers. For example, HMOs have a limited network of providers, and you need to choose a primary care physician who will coordinate your care. In contrast, PPOs allow you to see any provider in their network without a referral. Understanding these differences can help you choose the right coverage that meets your needs.
  4. Consider Your Budget: Health insurance premiums can vary significantly, depending on the type of coverage and provider you choose. It’s essential to have a clear understanding of your budget and how much you can afford to pay each month. Consider your monthly expenses, including rent/mortgage, utilities, and other bills, to determine how much you can allocate to health insurance.
  5. Compare Plans: The health insurance marketplace offers several plans from different providers. It’s important to compare plans and providers to find the right coverage that meets your needs and budget. You can use comparison websites, insurance brokers, or individual company websites to find the right plan that fits your needs.
  6. Check for Out-of-Network Coverage: Some health insurance plans limit your options for healthcare providers. Be sure to check if the plan covers out-of-network care, and what the additional costs may be. If you have a preferred doctor or hospital that is out of the plan’s network, this may be an essential factor to consider.
  7. Look for Additional Benefits: Some health insurance plans offer additional benefits, such as dental or vision coverage, that may not be included in standard plans. If you need additional coverage for these services, be sure to check if they are included in the plan or if you need to purchase them separately.
  8. Check for Prescription Drug Coverage: Prescription drug coverage is an essential factor to consider when choosing a health insurance plan. Be sure to check if the plan covers the medications you need, and what the co-pay or deductible is for prescription drugs.
  9. Review the Plan’s Provider Network: Be sure to review the plan’s provider network to see if your preferred healthcare providers are included. If you have a specific doctor or hospital you prefer, it’s important to check if they are in the plan’s network.

In conclusion, navigating the health insurance marketplace requires research, understanding your needs, and knowing what to look for in a plan. By following these tips, you can find the right health insurance coverage that meets your needs and budget. Remember to consider your healthcare needs, understand the different types of plans, and compare plans and providers to find the right coverage.


For those considering alternatives to their COBRA insurance plan.



For those wanting to reduce their premiums and deductibles.



For those wanting to purchase their first health insurance plan.



For those wanting to bridge gaps in their coverage.



For those wanting to insure their college student.



For those wanting a plan with the PPO network as an option.

PPO PLANS is a website domain of Practice Marketing Guru LLC, a privately-owned non-government website, not to be confused with This website serves as an invitation for you, the customer, to inquire about further information regarding health insurance, and submission of your contact information constitutes permission for an agent to contact you with further information, including complete details on cost and coverage of health insurance marketed by Practice Marketing Guru LLC.