What Is a PPO Health Insurance Plan? (And Why Self-Employed Workers Love It)

Featuring Manhattan Life Affordable Choice PPO

As a self-employed individual, 1099 contractor, or small business owner, you wear a lot of hats. You’re the boss, the employee, the bookkeeper—and often, the one paying for your own health insurance. That’s why having flexibility and control in your healthcare plan matters more than ever.

Enter the PPO (Preferred Provider Organization) health insurance plan—a powerful solution that’s tailor-made for people who need nationwide access to care without the red tape. One of the top choices in this space? The Affordable Choice PPO plan by Manhattan Life.

Let’s break down what a PPO is, how it works, and why it’s quickly becoming the go-to health insurance plan for America’s independent workers.

🔎 What Is a PPO Health Insurance Plan?

A PPO, or Preferred Provider Organization, is a type of health insurance that gives you more freedom to choose your doctors and hospitals—without needing referrals to see specialists.

Here’s what makes it stand out:

• No primary care doctor lock-in

• No referral required to see a specialist

• Coverage for both in-network and out-of-network providers

• Nationwide access to doctors, clinics, and hospitals

Unlike HMOs, which restrict you to a specific network and require gatekeeping referrals, PPO plans put you in control.

💼 Why Self-Employed Workers and 1099 Contractors Love PPOs

When you’re self-employed or working as a 1099 independent contractor, flexibility isn’t a luxury—it’s a necessity. Here’s why PPO plans are such a hit in this space:

1.

Freedom to Choose Any Doctor

You’re not boxed into a local network. Whether you’re seeing a chiropractor in Oregon, a cardiologist in Texas, or a specialist in Florida, a PPO plan like Manhattan Life’s Affordable Choice lets you go where you need to.

2.

No Referrals Needed

Skip the hassle. Need a dermatologist, orthopedic, or physical therapist? Go straight to the provider of your choice.

3.

Nationwide Coverage

Travel for business? Move around frequently? PPO plans often work anywhere in the U.S., which is crucial for nomads, entrepreneurs, and mobile professionals.

4.

Access to Specialists

Especially valuable if you or your family members have chronic conditions or want second opinions—you’re not restricted by a limited network.

💡 What Makes

Manhattan Life Affordable Choice PPO

Stand Out?

The Affordable Choice PPO by Manhattan Life was designed for self-employed professionals, small business owners, and 1099 workers who need reliable, affordable coverage without all the complexity.

✅ Key Features:

• Use any provider in all 50 states

• Set benefits per service (so you know what you’ll pay upfront)

• Lower monthly premiums than traditional major medical

• No deductibles to meet before benefits kick in

• Pairable with accident and critical illness policies for extra protection

This isn’t a high-deductible, fine-print-heavy plan that leaves you surprised at billing time. It’s simple, smart, and designed to work on your terms.

💬 Is Affordable Choice PPO Right for You?

If you:

• Are self-employed or 1099

• Need affordable access to real PPO coverage

• Want to skip deductibles and know your benefits upfront

• Travel or work in multiple states

• Are tired of HMO restrictions

…then Affordable Choice PPO might be exactly what you’ve been looking for.

🛠️ Let’s Build You a Custom Quote

At Exodus Benefits, we specialize in helping independent professionals find affordable, real PPO coverage—including options like Manhattan Life’s Affordable Choice.

👉 Click here to request a custom quote

📞 Or call/text Mike Shellhart directly at [your number] to get started today.

✍️ Final Thoughts

Health insurance doesn’t have to be confusing or frustrating—especially when you’re building something big on your own terms. PPO plans like Manhattan Life’s Affordable Choice give you the freedom, flexibility, and simplicity you need to stay focused on your business and your family.

Because when your health is covered, everything else gets easier.