These are fully ERISA-qualified major medical plans on national PPO networks — the same structure large employers use for their own group benefits, made available to individuals and families who don't have coverage through a job.
Opens the plan comparison tool — choose Plan Comparison in the left menu, set your age and coverage tier, and every plan option prices out instantly. No sign-up required.
These plans don't all run on the same network. That matters more than almost anything else on this page, because the network decides whether your doctor is in or out.
Check yours before you pick a plan.
One of the largest national PPO networks in the country — 1.5 million+ health care providers and facilities across all 50 states, backed by Cigna Healthcare, a Fortune 500 global health company with roots dating back to 1792. This is the network behind MedPerformance, the richest of the four plan families.
Used by: MedPerformance
Search Cigna providers993,000+ participating providers nationwide, including nearly 5,000 hospitals, with coverage across all 50 states, D.C. and Puerto Rico. First Health is owned by Aetna, a CVS Health company — big-carrier infrastructure behind an independent national PPO. This is the network behind MedAccess and AHW — including two of the most affordable options.
Used by: MedAccess · AHW
Search First Health providersThe nation’s largest independent primary PPO network, administered through MultiPlan — 920,000+ practitioners, 4,800 acute-care hospitals and 87,000 ancillary facilities, over one million providers in all. Founded in 1985, it is the only nationwide independent PPO accredited by NCQA for credentialing, since 2001.
Used by: MM Classic Series · Copay PPO plans
Search PHCS providersDirectory listings change constantly. Always confirm with the provider's office that they currently accept the specific plan before you enroll — and if you tell us which doctors you want to keep, we'll check both networks for you.
The right one depends on how much coverage you want, what you can qualify for medically, and what you want to spend. Here's the honest comparison.
Cigna PPO — Major Medical
$639 – $753 / mo
Illustrative — age 35, individual
Detailed health review, 5-year lookback. A "yes" answer is not an automatic denial.
PHCS PPO — Major Medical (Benefit Re, Inc)
$535 – $837 / mo
Illustrative — age 35, individual
Offered through Benefit Re, Inc. View plans, brochures & enroll →
First Health PPO — Defined Benefit PPO
$433 – $567 / mo
Illustrative — age 35, individual
Basic: 1 medical question. Pro: 5 medical questions.
First Health PPO — MEC + Indemnity
$140 – $220 / mo
Flat premium — no age rating
No medical questions. Everyone qualifies. Note this is a limited-benefit plan, not full major medical.
Nothing here commits you to anything. Talk to one of our licensed advisors about your options and we can help you compare them out.
Open the comparison tool, set your age and who needs covering, and see every plan option priced out side by side.
Call or book a time. We'll tell you honestly whether one of these beats what's available to you on the exchange — sometimes it doesn't, and we'll say so.
Most of these plans ask health questions. A "yes" is not an automatic denial, and some plans ask none at all.
Start to finish, at no cost to you. Including your ACA or Covered California options if those turn out to be the better fit.
Most people never see private ERISA-qualified coverage compared side by side with their ACA or Covered California options. We do both — so you get the real comparison,
not half of it.
Important disclosures. All premiums, benefits, and eligibility shown on this page are estimates provided for reference purposes only and do not constitute an offer, quote, contract, or guarantee of coverage. Premium figures shown are illustrative for a 35-year-old individual on employee-only coverage and will differ based on your age, coverage tier, plan option, and the results of medical underwriting. Rates and benefits are subject to change and to medical questions review. Always refer to the official plan materials and Summary of Benefits for complete and accurate information; in the event of any discrepancy, the official plan documents control. MM Classic Series, Copay PPO, and HSA plan options are offered through Benefit Re, Inc and use the PHCS PPO network nationwide (MagnaCare network in NY/NJ).
These plans are not Affordable Care Act exchange plans and are not eligible for ACA premium tax credits or cost-sharing reductions. AHW is a limited-benefit MEC and indemnity product, not comprehensive major medical coverage. Compare Healthcare Insurance Center · Insure Health Plans · NPN No. 2764713 · CA Ins. Lic. # 0K90560. This is not a government website. We do not offer every plan available in your area. Any information you provide is limited to those plans we do offer in your area.
