Private PPO & Marketplace Health Plans That Protect Your Budget

"As a single mom working two jobs, I used to avoid going to the doctor because I was terrified of surprise bills. Nyehl Howard took the time to explain the PPO plan in plain English and showed me how I could still pick my kids’ pediatrician and my own OB-GYN. Last month my daughter needed a specialist, and with this PPO we didn’t wait on referrals or pay crazy out-of-pocket costs. For the first time, I feel like our health coverage actually works for a family like mine."

"I’ve been freelancing for years and bounced between cheap plans that covered almost nothing. Nyehl Howard helped me switch to a PPO that finally fits the way I work and travel. I can see clients in different states and still find in-network doctors wherever I am. When I needed physical therapy after a car accident, I chose the clinic that fit my schedule instead of the one insurance forced on me. Nyehl didn’t just sell me a policy—he gave me options and peace of mind as a business of one."

"I own a small landscaping company, and offering health benefits always felt out of reach. Nyehl Howard walked me through affordable PPO options for my team and broke everything down by cost, network, and coverage. My employees love that they can pick their own doctors and don’t need referrals to see specialists. It’s made a huge difference in morale and retention. Partnering with Nyehl made me feel like a bigger company with real benefits, without blowing up my budget."

"Living on a fixed income, I was very nervous about changing plans. I have a few ongoing health issues and I was scared I’d lose my doctors or pay more than I could afford. Nyehl Howard patiently reviewed my medications and appointments and matched me with a PPO that kept my main doctors in-network. When I had an unexpected hospital visit, the bill was manageable and exactly what Nyehl explained. I feel protected and informed instead of confused and worried."

“We lost our home back in 2008 during the financial crisis, and that trauma never really left me. When we finally qualified for a new mortgage, I was excited but honestly terrified of going through that again if I lost my job. Adding Mortgage Protection to our plan helped calm those fears. Just knowing there’s a safety net if I’m laid off or can’t work for a period makes a huge emotional difference. I can focus on my career and family instead of constantly worrying about worst-case scenarios.”

"I’ve lived with an autoimmune condition for years, and switching insurance has always been a nightmare. I need regular specialists, lab work, and specific medications. Nyehl Howard took my full situation into account and found a PPO that kept my specialist team in-network and still gave me flexibility if I ever want a second opinion. The pre-approvals and copays were exactly what he outlined from the start. For someone like me, that level of reliability and choice is everything."