Healthcare Insurance

You Chose Your Own Path. Now Choose Individual Health Insurance That Works for You.

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Healthcare insurance

You Chose Your Own Path. Now Choose Individual Health Insurance That Works for You.

Get access to a PPO health plan designed for self-employed professionals, independent workers, and families who want more choice beyond marketplace options.


Find out fast if this PPO plan is for you!

SEE IF YOU QUALIFY

1.3 million providers in the Cigna PPO network.

Ultra-fast quotes. Most ready in under 5 minutes.

Keep your doctor. See specialists without referrals.

Individual Health Insurance Plans That Work for People Who Work for Themselves 

Many marketplace plans limit your choices. You may have a smaller network, restrictions on which providers you can see, or additional steps before seeing a specialist.



This PPO option gives qualifying individuals access to the kind of provider choice and flexibility often associated with employer-sponsored coverage.


And it’s built for individuals like you. 


  • Access to the nationwide Cigna PPO network with 1.3 million providers across the country
  • Your choice of doctor, specialist, or hospital with no referral required
  • Instant quoting, with a health questionnaire that takes about five minutes
  • Fast, easy enrollment with AI assistant Alia guiding you through every step
  • 24/7 virtual care with $0 copay telemedicine
  • 8 deductible options, including 2 HSA-compatible plans
  • A streamlined member portal to manage your plan your way
  • No hidden limits on care or coverage


Is This Individual PPO Plan Right for You? Find Out Now.

This coverage is designed for people who want PPO access and qualify based on a short health questionnaire.

It's a great fit if you are:

  • Self-employed, a 1099 contractor, freelancer, or independent professional
  • A small business owner or early retiree
  • In good health, under 65, and not currently eligible for meaningful ACA subsidies
  • Looking for PPO access, so you can choose your own doctor without restrictions 


It may not be the best fit if you:

  • Have significant ongoing health conditions requiring guaranteed-issue coverage
  • Currently receive strong ACA marketplace subsidies that meaningfully reduce your premium
  • Are over 65 and Medicare-eligible


Our customer-first promise: if another option serves you better, we'll show you more options!

See Why People Like You Made the Switch to OneHealth Plus

Most health plans available to individuals through the ACA marketplace are HMOs or EPOs. That means you’re limited to their reduced network, you need referrals to see specialists, and you have little flexibility if your current doctor isn't in the system. 


A PPO gives qualifying individuals another option. Here’s how the plans may compare.

Plan Type HMO or EPO PPO
Choose your own doctor Limited to network only Yes, in or out of network
Specialists Referral required No referral needed
Provider network State-limited 1.3M providers nationwide
Telehealth Varies $0 copay, 24/7 care
Deductible options Limited 8 options including HSA
Enrollment Open enrollment windows only Any time with no Qualifying Life Event required
Best for Subsidy-eligible individuals Healthy, unsubsidized individuals who want PPO

This comparison is for general informational purposes only.

You Receive
Up to $1,400 (Hospital Admission Benefit) annually per Covered Member

Weekly payments, not to exceed 60% of your gross income, up to $2,500 per week
What's Covered?

  • Sickness or injury

    Sickness or injury that prevents you from returning to work for more than 14 days and up to 6 months.

A Network Designed for Those Who Want Flexibility, Choice, and Top-Tier Care

Whether you’re close to home or traveling for work, this PPO option gives you access to a broad nationwide provider network.



  • 1.3 million providers in the Cigna PPO Network
  • See any doctor in or out of network
  • Specialists without referrals, always
  • Choose a primary care provider 
  • $0 copay telemedicine, 24/7
  • Coverage that works whether you're home or on the road


SEARCH CIGNA'S PROVIDER NETWORK

Three Simple Steps to Get Covered With an Individual Medical Insurance Plan

It's simple to get started. Most people qualify and enroll in one sitting.

1. Complete a short health questionnaire.

Answer a few simple questions about your health.

2. See your plan options and rates.

You'll see your available plans and pricing right away.

3. Pick your plan and enroll today.

Choose the deductible that fits your life. Enroll digitally — your coverage can start as soon as next month.

You have 60 days from your offer to enroll. We recommend enrolling by the 18th of the month for coverage starting the 1st.

Check Out Your 8 Deductible Plan Options 

We offer 8 plans, ranging from a $1,000 Classic plan to a $7,350 Value plan, including 2 HSA-compatible options. There’s something for every budget and need.



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