Coverage that fits.Peace of mind.
I'm Brittany Pachall. I help individuals, families, 1099 contractors and small businesses find nationwide PPO coverage and cash-benefit protection, with direct one-on-one guidance instead of a call center.
Free consultation. No pressure. Or text Brittany.
Coverage built around your life stage.
Health insurance is not one-size-fits-all. Pick your situation to see where to start.
Self-employed & 1099
Private Nationwide PPO options for independent contractors and freelancers.
- Nationwide premier PPO networks
- Year-round enrollment
- No doctor referral delays
Individuals & families
Comprehensive coverage that gives parents and spouses peace of mind.
- Pediatric & family wellness care
- Predictable copays & deductibles
- Nationwide provider access
Small businesses
Voluntary and supplemental benefits that make your employees feel valued, at no direct cost to your business.
- Voluntary employee benefits
- Support for team retention
- Turnkey enrollment help
Cancer & critical cash
Plans that pay cash benefits directly to you, to use as you choose.
- Cash paid directly to the patient
- Accident & disability add-ons
- Whole & term life protection
Hey there, I'm Brittany.
Navigating health coverage on your own is stressful. As an independent licensed advisor, I cut through the confusion to help you find coverage that fits your life, health and budget.
“I believe in personalized coverage, peace of mind, and protection for every season of life. You get a dedicated human advocate in your corner, not an automated bot or a high-pressure call center.”
More choice. More freedom. More you.
Many self-employed professionals and small business owners end up on restrictive exchange plans. If you and your family are relatively healthy, a private medically underwritten PPO may be worth comparing.
Standard marketplace plan
- Networks limited to a county or region
- Referrals and prior authorizations for specialists
- Enrollment limited to the annual window or a qualifying event
Private PPO option
- Nationwide PPO access to doctors and hospitals
- See specialists directly, no referral needed
- Year-round applications
- Rates can be lower for qualifying healthy applicants
Private PPO plans are medically underwritten. Eligibility, benefits and rates vary by carrier and state.
From confusion to peace of mind, in four steps.
A structured, no-pressure process, with Brittany at every step.
Doctor & needs review
We go over your doctors, specialists, prescriptions, family health history and monthly budget.
Side-by-side comparison
Brittany compares private PPO options against marketplace plans so you can see the difference clearly.
Cash-benefit protection
If it fits, we layer in cash-benefit coverage for cancer, accidental injury and disability.
Ongoing support
Enrollment help, plus direct access to Brittany when questions, life changes or claims come up.
Protection for every season of life.
Nationwide PPO
Private PPO health plans with access to care across the country.
Cancer cash benefit
Cash paid directly to you on a qualifying diagnosis.
Accident
Financial support when the unexpected happens.
Disability
Income protection when you need it most.
Life
Whole and term life insurance for your family.
Our cancer plans pay cash benefits directly to you. You choose how to use it: treatment, travel, daily living expenses and more.
Ask Brittany how it worksCoverage decisions often begin with a change.
Leaving a job or retiring early?
Brittany can help you look at an independent PPO plan as an alternative to COBRA, so you can plan around gaps in coverage.
Call Brittany →Missed open enrollment?
Private medically underwritten PPO plans can be applied for year-round.
Talk it through →Going 1099 or starting a business?
Look at a portable policy built for entrepreneurs and independent contractors.
1099 plan options →Worried about critical illness costs?
A cash-benefit cancer and critical illness plan pays cash directly to you upon a qualifying diagnosis.
Cash benefit details →I'm your personal advisor, not an automated lead farm.
Ever filled in a quote comparison site and then gotten a flood of calls? That doesn't happen here. You talk directly with licensed advisor Brittany Pachall, and your health details stay confidential.
No spam calls
No robotic dialing systems and no offshore call centers.
Direct with Brittany
One advisor on every plan, claim or policy review.
Side-by-side comparison
We look at your doctors, prescriptions and budget before recommending anything.
Zero pressure
Honest, transparent guidance with no sales pressure or obligation.
Questions I hear most.
Straight answers on private PPOs, 1099 coverage and cash benefits.
What is the difference between a private PPO and the ACA marketplace?
Private medically underwritten PPO plans offer access to nationwide provider networks without county-boundary restrictions or primary care referrals. Because they involve basic medical underwriting, healthy individuals and families may pay lower monthly premiums than on the public exchange. Availability and rates vary by carrier and state.
Do I have to wait for open enrollment to sign up?
No. Public marketplace plans generally limit enrollment to the annual open enrollment window or qualifying life events. Private medically underwritten PPO plans can be applied for year-round.
How do you help self-employed and 1099 contractors?
I tailor portable private PPO coverage that travels with you across state lines, so you can plan for predictable out-of-pocket costs.
How does a cancer and critical illness cash benefit plan work?
Upon a qualifying diagnosis, the plan pays a cash benefit directly to you, not the hospital or doctors. You decide how to use it.
What states are you licensed in?
I'm licensed in 30 states (NPN #22113145). If you relocate or travel, your advisor stays the same.
Does working with you cost anything extra?
No. There are no fees or broker surcharges for consultations, policy reviews or enrollments.
One conversation brings your options into focus.
Share what you need to protect and which doctors you want to keep. I'll review your options and give you a clear side-by-side comparison.