What’s the Difference Between Marketplace Insurance and Private PPO Plans?

The Marketplace, also known as the ACA Exchange, offers government-regulated health insurance plans. These plans are standardized and often come with income-based subsidies. However, they can also be expensive if you don’t qualify for financial aid.

Private PPO plans, on the other hand, are not part of the ACA Marketplace. They are typically more flexible, with larger provider networks and fewer restrictions. While they may not come with subsidies, their health-based pricing can make them more affordable for healthy individuals.

Another key difference: PPO plans don’t usually require referrals for specialists, and you can see out-of-network providers more easily. If you’re self-employed or don’t receive job-based insurance, a private PPO may offer the coverage you want—without the limitations you don’t.

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