PPO Health Insurance
Any Doctor. No Referral. Year-Round.
11 PPO plans through Cigna and First Health Network. See any doctor without a referral. Out-of-network care covered. $0 deductible and $0 telehealth options. No enrollment window — apply any day.
Compare PPO Plans ↓What Is PPO Insurance?
A PPO (Preferred Provider Organization) is a type of health insurance plan that gives you the freedom to see any healthcare provider without needing a referral from a primary care physician. PPO health insurance plans have a network of preferred providers where you pay lower rates, but you’re also covered if you go outside that network.
PPO plans are the most flexible type of health insurance available. Unlike HMO plans, you don’t need a primary care doctor to coordinate your care. You can see specialists directly, visit urgent care anywhere in the country, and use out-of-network providers when needed — all without pre-authorization for most services.
FreedInsure offers 11 PPO health insurance plans through two major carrier networks: Cigna and First Health Network. These plans are available year-round with no open enrollment window, making them ideal for people who need coverage immediately or missed ACA enrollment.
PPO vs HMO: Which Plan Type Is Right for You?
The biggest question most people have about health insurance plan types is the difference between PPO vs HMO. Here’s a direct comparison:
| Feature | PPO Plan | HMO Plan |
|---|---|---|
| See Any Doctor? | Yes — any provider | Network only |
| Referral Needed? | No referral required | Yes, for specialists |
| Out-of-Network? | Covered (higher cost) | Not covered (except ER) |
| Primary Doctor Required? | No | Yes — must select PCP |
| Enrollment Window? | Apply any day | Open enrollment only |
| Best For | Flexibility, specialists, travelers | Lower premiums, routine care |
If you value doctor choice and flexibility, a PPO plan is the better option. If you primarily need basic preventive care and want the lowest possible premium, an HMO through the ACA Marketplace may work. Many FreedInsure clients use an ACA plan as their primary coverage and add a PPO plan for specialist access or as gap coverage. See all 11 PPO plans →
Best PPO Health Plans Available Through FreedInsure
We offer 11 PPO plans across three carrier product lines: Cigna (8 plans) and Med Performance / First Health Network (3 plans). Here are the key options:
$0 Deductible Plans
First-dollar coverage with no deductible. Copays only. Best for people who want predictable costs and use healthcare frequently.
HSA-Compatible Plans
High-deductible PPO plans that pair with a Health Savings Account. Triple tax advantage: deductible contributions, tax-free growth, tax-free medical withdrawals.
$0 Telehealth Plans
Unlimited virtual doctor visits at $0 copay. Prescriptions, mental health, urgent care — all from your phone. No deductible for telehealth services.
Value Plans from $309/mo
Most affordable PPO option. $7,350 deductible with 100% coverage after. Includes the full Cigna or First Health provider network.
Who Should Choose a PPO Health Plan?
PPO health insurance is ideal for self-employed individuals, freelancers, early retirees, people between jobs, those who missed ACA enrollment, frequent travelers, and anyone who values doctor choice. If you need coverage that starts immediately with no enrollment restrictions, a PPO is your best option.
PPO Health Plan Benefits
👩⚕️ Any Doctor, Anywhere
No network restrictions. See any licensed provider in the U.S. without needing a referral or pre-authorization.
📅 Year-Round Enrollment
Apply any day. No open enrollment window. No qualifying life event required. Coverage starts as soon as the first of the following month.
💻 $0 Telehealth
Unlimited virtual visits with board-certified doctors. Prescriptions, mental health, urgent care — all at $0 copay on most plans.
🌎 Nationwide Coverage
Cigna and First Health networks span all 50 states. Ideal for travelers, digital nomads, and people who split time between states.
💰 $0 Deductible Available
Choose a plan with no deductible. Pay copays only. No large upfront costs before coverage kicks in.
🛒 Prescription Coverage
Generic and brand-name drugs covered. Pharmacy network includes CVS, Walgreens, Walmart, and mail-order options.
PPO Health Insurance FAQ
Compare All 11 PPO Plans
See pricing, networks, and coverage details for your ZIP code. A licensed advisor confirms the best fit within 15 minutes.
What Our Members Say
See Any Doctor.
No Referral. No Waiting.
11 PPO plans from $309/month. $0 deductible options. Year-round enrollment. A licensed advisor compares every plan for your ZIP code — free.
Compare PPO Plans →