Independent expertise deserves independent coverage
You left the corporate benefits package behind with the corporate job. Private PPO plans replace the part worth missing — strong coverage and broad networks — without waiting for open enrollment.
How many people in your household need health insurance coverage?
Including yourself.
The usual problem
- Leaving employer coverage behind when going solo
- COBRA as an expensive default after resignation
- Project income that varies quarter to quarter
- Client travel that outruns a narrow network
The private PPO answer
- A clean break from COBRA. Often meaningfully less than 102% of your old group premium.
- Networks that travel to clients. PPO coverage that works when you're on-site out of town.
- Deduct what you can. Self-employed consultants can often deduct premiums — ask your tax professional.
Health insurance for independent consultants
The first year of consulting is full of things you used to get for free — and health insurance tops the list. Most new consultants default to COBRA because it's familiar, then discover they're paying the full group rate for a plan built around an employer they no longer have.
A private PPO is usually the cleaner answer: enroll the month you go independent, choose your own premium-deductible balance, and keep a broad network for client travel. It's coverage shaped like your business, not your former employer's.
What happens when you reach out
Answer three quick questions and a licensed California advisor gives you a call. From there they handle whatever you need — free, and between client calls if that's what your calendar allows.
Frequently asked questions
I just resigned — should I take COBRA or a private plan?
It depends on your health situation and budget. COBRA keeps your exact plan at full price; a private PPO is often cheaper for healthy applicants. See our COBRA comparison, or let an advisor lay out both.
Can I cover my family?
Yes — one plan can cover your whole household.
What if I take a full-time role again later?
You simply end the private plan when group coverage begins. No penalties, no lock-in.