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Licensed advisors in all 50 states

Mon–Fri 8am–8pm ET · Sat 9am–5pm ET

Direct Healthcare Choice

Free coverage review

Answer five questions.
Talk to one licensed advisor.

This isn't an instant rate engine and it isn't a bidding pool. Your answers go to a single licensed advisor who reviews what's genuinely available in your state and calls you once to talk it through.

  • Five questions — about thirty seconds
  • One licensed advisor calls you, once
  • Pre-existing conditions covered
  • Apply any day of the year
  • Your details are never sold to third parties

Prefer to write instead? Email info@directhealthcarechoice.com. Advisor hours are Mon–Fri 8am–8pm ET · Sat 9am–5pm ET.

Free coverage review

Step 1 of 5

Let's find your coverage

Start with your state.

Secure & confidentialTakes about 30 seconds

Secure & private. By submitting you agree to be contacted by one licensed advisor.

Compare plans from nationally recognized carriers

  • UnitedHealthcare
  • Blue Cross Blue Shield
  • Aetna
  • Cigna
  • Humana
  • Anthem Blue Cross Blue Shield
  • Oscar Health

Carrier availability varies by state, eligibility and plan type.

How it works

From five answers to a real conversation in one call.

Four steps, in order, with no surprises hiding between them. Tap any step to see what happens.

A woman at a bright kitchen counter typing on a laptop
1/4

About 30 seconds

Start My Free Coverage Review

What we look at

Five answers tell an advisor where to start.

Your state decides which carriers and plan types are on the table. Household size and timing shape the options worth pulling. The pre-existing conditions question tells the advisor which kind of underwriting makes sense before they ever call.

  • State: which carriers and networks are available
  • Household: who needs to be on the plan
  • Pre-existing conditions: a simple yes or no
  • Timing: whether coverage needs to start now
Three people working through household paperwork at a table

The call people didn't expect.

Left a salaried job to go independent

“COBRA wanted more per month than my mortgage. The advisor walked me through two PPO options and told me straight which one kept my cardiologist in network.”
Self-employed designerTampa, FL

Family of four, one pre-existing condition

“I expected to be told everything was fine and to sign. Instead she explained what the plan wouldn't cover for my son, and we picked a different one.”
Small business ownerColumbus, OH

Missed open enrollment by three weeks

“I assumed I was stuck uninsured until January. One call in April and I had coverage that started the first of the next month.”
Owner-operatorAmarillo, TX

Two 1099 incomes, no employer plan

“He asked what we actually earn before quoting anything, then said we'd likely qualify for a subsidy and should check the marketplace first. That was not the pitch I expected.”
Freelance coupleBoise, ID

Retired at 62, three years from Medicare

“The gap years were the whole problem. We got a plan that carries us to 65 without the deductible we were shown everywhere else.”
Early retireeAsheville, NC

Contractor working across two states

“Half my jobs are over the state line. The nationwide PPO network was the entire reason I switched — my old plan covered one county properly.”
Framing contractorKansas City, MO

Travel assignments every thirteen weeks

“Every contract used to mean new coverage paperwork. Now it stays with me between assignments and nobody has to re-enrol me.”
Travel nursePhoenix, AZ

Hours cut below the benefits threshold

“I lost the plan and nobody at work could tell me what to do next. He explained the special enrolment window and we filed inside it.”
Restaurant supervisorSavannah, GA

Realtor on commission-only income

“Good months and thin months. He priced it against my worst quarter instead of my best one, which is the first time anyone has done that.”
Licensed realtorHenderson, NV

Aged off a parent's plan at 26

“I thought a short-term plan was the cheap answer. She showed me what it excludes, and I ended up spending slightly more on something that actually covers me.”
Warehouse supervisorAllentown, PA

Employer plan doubled at renewal

“Five employees and a renewal I couldn't absorb. We reviewed individual options for the team and I stopped losing money on the group plan.”
Print shop ownerDes Moines, IA

Rideshare driving as a second income

“Nobody had ever explained a deductible to me in plain English before. No pressure at the end of it either — he told me to think about it and call back.”
Gig driverCharlotte, NC

Straight answers

No small print, no hedging.

The questions people actually ask on the first call — answered here so the call can be about you instead.

What exactly is a private PPO plan, and how is it different from a marketplace plan?

A marketplace (ACA) plan is sold during open enrollment, priced without regard to your health history, and increasingly built on narrow local HMO networks. A private PPO is sold directly by a carrier through brokers like us, is typically medically underwritten, and usually gives you a much broader nationwide network — often at a lower premium if you're reasonably healthy and don't qualify for a large subsidy.

Can I really apply at any time of year?

Yes. Private coverage isn't tied to the ACA's six-week open-enrollment window, so there's no waiting for November. If you lost a job in March or aged off a parent's plan in July, you can start a review today.

I have a pre-existing condition. Am I wasting my time?

No — and that's why it's step three of the survey rather than a footnote. Private plans are usually underwritten, which means health history affects eligibility and price, and some conditions are better served by an ACA plan that can't decline you. An advisor will tell you which side of that line you're on instead of running you through an application that goes nowhere.

Will I be able to keep my doctor?

Often, yes — a broad PPO network is the main reason people move to one. Give your advisor the names of the doctors and hospitals that matter to you and they'll check the network directories before you commit to anything.

How is the deductible so much lower than a marketplace plan?

Underwritten plans price for the risk of the people who qualify for them, so a healthy applicant can often buy a much lower deductible for the same money. The trade-off is that not everyone qualifies, and the plans don't carry every ACA-mandated benefit — your advisor will spell out exactly what a specific plan does and doesn't cover.

What happens after I submit the five questions?

One licensed advisor receives your details, reviews what's available in your state, and calls you once. They explain the options, the costs and the gaps. You decide from there — nothing is submitted to a carrier without you saying yes.

How many people are going to call me?

One. Your information goes to a single licensed advisor. We don't resell leads, we don't run auto-dialers, and we don't pass your details to a bidding pool of agencies.

Is this a government programme or connected to the Marketplace?

No. We're a privately operated independent brokerage. We aren't a government agency and we're not affiliated with or endorsed by the Health Insurance Marketplace, Medicare, Medicaid, or any federal or state programme.

What if a marketplace plan or Medicaid is actually cheaper for me?

Then an advisor will say so. If your household income qualifies you for a large ACA subsidy, or for Medicaid, that is frequently the better deal and we'd rather tell you than sell around it. Sending you somewhere else costs us a sale and keeps our reputation intact.

What do the prices shown on this site mean?

They're examples, not offers. The $750 vs $300 example and the feature table show what a comparison can look like for one healthy applicant. Your actual premium, deductible and benefits depend on age, location, health history and the plan you choose — a licensed advisor confirms real numbers with a real carrier.