Private Health Insurance in New York — a smarter alternative to the Marketplace
Self-employed, a 1099 contractor, a small business owner, or tired of rising Marketplace premiums? Compare private PPO plans on national networks like Cigna and PHCS. If you qualify, you could get preferred pricing outside of NY State of Health / healthcare.gov.
National PPO networks
See any doctor or specialist without referrals, and stay in network when you travel.
Preferred pricing
Rates are based on a short health questionnaire, so healthy applicants can qualify for lower rates.
Enroll any month
Apply by the 21st and coverage can start on the 1st of the next month.
Built for the self-employed
Sole proprietors, freelancers and business owners get group-style buying power.
Let's see if you qualify
Tell us how to reach you. A licensed agent will follow up with your options.
Who needs coverage?
Pick the option that fits best.
What coverage do you have today?
This helps us compare your options side by side.
When would you like coverage to start?
Apply by the 21st of the month for coverage on the 1st of the next month.
By submitting, you agree that a licensed Sellis Brokerage agent may contact you by phone, text or email about health insurance. Consent is not required to buy. Eligibility and rates are subject to underwriting.
You're all set!
A licensed Sellis Brokerage agent will call you within one business day to go over your options and set up a time to talk.
Want to talk now? Call (631) 861-3175
See If You Qualify for Preferred Pricing
Health coverage built for how New Yorkers work today
If you don't get insurance through an employer, you have more options than the Marketplace.
Self-employed & 1099
Freelancers, consultants, gig workers and sole proprietors get group-style pricing without needing employees.
Individuals & families
Earn too much for subsidies, or tired of narrow networks? Compare a national PPO for the whole family.
Business owners
Cover yourself and your family, or offer a strong PPO plan your team will value.
From quick check to covered, with a real person helping you
Answer a few quick questions
About 60 seconds: who needs coverage, what you have now and when you'd like to start.
Talk with a licensed agent
We call you within one business day to understand your needs and go over a short health questionnaire.
Compare your options
See private plans next to your current or Marketplace plan: premium, deductible, network and prescriptions.
Enroll and you're covered
Apply by the 21st for coverage on the 1st. We stay your point of contact after you enroll.
Real coverage, national networks
Medical
- PPO plans on Cigna and PHCS networks
- No referrals to see specialists
- Preventive care covered at 100% in network
- 12-month rate lock from your start date
Choice of plans
- Deductibles from $1,500 to $5,000
- HSA-eligible options
- Copays for doctor and urgent care visits
- Individual, couple, parent + child and family tiers
Add-ons
- Dental: MetLife or Delta Dental
- Vision: VSP
- Dental and vision with no health questions
- Life, accident, critical illness and hospital plans
Benefits vary by plan. We'll walk you through the Summary of Benefits and Coverage, prescriptions and exclusions before you apply.
Private PPO vs. the Marketplace (NY State of Health)
Both can be the right answer. If the Marketplace is the better fit for you, we'll tell you.
Private PPO plan
- Who can get it
- Individuals, families, self-employed and business owners who meet health and eligibility requirements
- Pricing
- Based on a health questionnaire, with preferred rates for those who qualify
- When you can enroll
- Any month of the year
- Network
- National PPO (Cigna, PHCS)
- Best fit
- Healthy people who earn too much for subsidies, travel, or want a national PPO
Marketplace plan
- Who can get it
- Every eligible New Yorker, with no health questions
- Pricing
- Same rate regardless of health; subsidies based on income
- When you can enroll
- Open enrollment, or a special enrollment period
- Network
- Mostly regional HMO and EPO networks
- Best fit
- People who qualify for large subsidies or have significant health conditions
A strong PPO plan without a small-group renewal shock
Many business owners offer this plan to their employees and contribute toward the premium. Others use it to cover just themselves and their families.
- National PPO your team will value
- Less paperwork than a traditional small group plan
- Dental, vision and life add-ons available
Open enrollment 2027
Frequently asked questions
Is this an alternative to Obamacare / healthcare.gov in New York?
Yes. These private PPO plans are sold outside the Marketplace (NY State of Health), so you don't need to wait for open enrollment. You also don't get Marketplace subsidies, so it's worth comparing both. We do that comparison for free.
Why does my health history matter?
Pricing on these plans is based on a short health questionnaire. Applicants in good health can qualify for preferred rates. Some applicants won't qualify, and if that happens we'll help you find the best Marketplace or other option instead.
Can self-employed people and 1099 contractors get this plan?
Yes. Sole proprietors, freelancers, gig workers and independent contractors are exactly who these plans are built for. They give you group-style buying power without needing employees.
Can I enroll outside of open enrollment?
Yes. You can apply any month. Apply by the 21st and coverage can start on the 1st of the following month, with no qualifying life event needed.
Which doctors and hospitals can I use?
Plans use national PPO networks such as Cigna and PHCS, so you don't need referrals and you have access across the country. Send us your doctors and we'll check them before you apply.
Are prescriptions covered?
Yes, plans include tiered prescription copays. Some plans don't cover specialty drugs, so tell us about any ongoing medications and we'll match you with the right plan.
Is there a membership or association requirement?
Yes. Access to these plans and their group pricing comes through membership in Elevate Wellness, a national association. Membership is set up as part of enrollment, and we'll explain it before you apply.
Can I add dental and vision?
Yes. Dental (MetLife or Delta Dental) and vision (VSP) have no health questions. You can add them to your medical plan or buy them on their own.
Does it cost anything to get a quote?
No. Quotes and plan comparisons from Sellis Brokerage are free with no obligation.
See if you qualify for preferred pricing
It takes about 60 seconds. A licensed agent will follow up within one business day.
Sellis Brokerage, LLC is a licensed insurance brokerage at 868 Church Street, Suite 7, Bohemia, NY 11716. Plans described on this page are private health plans offered outside the NY State of Health Marketplace and are not eligible for Marketplace premium tax credits. Eligibility and rates are subject to a health questionnaire and underwriting review. Not all applicants will qualify. Access to these plans requires membership in Elevate Wellness. Benefits, networks, exclusions and limitations vary by plan; refer to the Summary of Benefits and Coverage and plan documents for full details. Plan availability is subject to change.