Private PPO Plans (Year-Round)
Flexible Health Coverage Year-Round in Dallas
We specialize in helping Dallas residents and small business owners explore their private insurance options. These plans often provide broader provider networks, greater flexibility, and peace of mind
What Is an Private PPO Plan?
A Preferred Provider Organization (PPO) plan is a type of private underwritten health insurance that offers more freedom in how you access healthcare. Unlike narrow HMO networks, PPOs allow you to see both in-network and out-of-network providers — often without requiring referrals.
Key Features of PPO Plans:
Access to large networks of doctors and hospitals in Texas and nationwide
Ability to see specialists without referrals
Out-of-network coverage, giving you freedom of choice
Year-round enrollment — no need to wait for ACA Open Enrollment
Why Choose a Private PPO Plan in Dallas?
For many families and professionals in Tarrant County, private PPO plans provide advantages that government-subsidized ACA plans do not.
Year-Round Enrollment: No waiting for November — apply anytime.
Wider Choice of Providers: Many PPO networks include both Dallas physicians and out-of-state specialists.
Nationwide Coverage: Ideal for Texans who travel frequently or have children studying outside the state.
Tailored Plan Options: Coverage levels can be customised to meet your budget and healthcare needs.
PPO Plans vs. ACA Marketplace Plans
It’s important to understand the differences between private PPO plans and ACA Marketplace plans.
Who Benefits Most from
Private PPO Coverage?
Private PPO plans are especially popular among:
1099 contractors, gig workers, and self-employed professionals
Small business owners in Dallas who want flexible, portable coverage
Families who don’t qualify for ACA subsidies but still need comprehensive protection
Frequent travellers or families with out-of-state students
Professionals with specific doctors or specialists outside of narrow ACA networks
Year-Round Enrollment Advantage
Unlike ACA Marketplace plans — which lock you into specific windows (November 1 – January 15) — private PPO plans are available year-round.
This makes them a strong option if you:
Recently moved to Texas but missed ACA deadlines
Lost employer-sponsored coverage outside of Open Enrollment
Are self-employed and want immediate coverage
Simply prefer not to wait for set enrollment periods
With The Shields Agency, you can explore PPO options anytime of year.
Costs of Private PPO Plans
Private PPO plans are not subsidized, so premiums are generally higher than subsidized ACA coverage. However, they often provide:
Lower deductibles than Bronze-level ACA plans
Broader provider access, reducing out-of-network costs
Customizable coverage options
At The Shields Agency, we help you balance premium costs with the benefits that matter most for your family.
Annual Updates for PPO Plans in Texas
While private PPO plans are not tied to the ACA Marketplace, plan details and networks are reviewed each year. Updates may include:
Adjustments to premiums and deductibles
Expanded provider networks in Texas
New optional benefits such as telehealth or wellness programmes
Our team monitors these changes and ensures our Irving families stay informed.
Dallas Providers and PPO Networks
Many PPO plans include access to major healthcare providers across Dallas, such as:
Texas Health Harris Methodist Fort Worth
Baylor Scott & White All Saints Medical Center
Cook Children’s Medical Center
John Peter Smith (JPS) Health Network
Beyond Dallas, national PPO networks make it possible to access care across Texas and the U.S. — ideal for business owners, contractors, and families who travel often.
The Shields Agency Difference
Why choose us instead of enrolling on your own?
No Extra Cost to You: Plans cost the same whether you enrol through us or on your own.
Personalised Guidance: We translate jargon into clear answers.
Local Knowledge: We know Irving providers and networks.
Year-Round Support: If your income changes, or you move, we adjust your coverage.
Family-Centred Values: As a female-led agency, we put people before profits.
FAQs
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Yes. Private PPO health insurance is available year-round, with no restricted enrollment window.
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PPOs usually have higher monthly premiums, but they offer broader provider networks and greater flexibility.
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Yes. Most PPOs include nationwide networks, making them ideal for frequent travellers or families with students out of state.
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Yes. Private PPO plans are required to provide coverage for pre-existing conditions.
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Absolutely. We’ll walk you through both options so you can choose the coverage that’s right for you.
Get Started with PPO Health Insurance in Dallas
Whether you’re a business owner, a family looking for flexibility, or a professional who needs nationwide access to providers, Private PPO plans offer powerful advantages over standard ACA coverage.
At The Shields Agency, we provide personal guidance, clear answers, and ongoing support to make sure you secure the right coverage — without the stress of navigating it alone.
📞 Call us today for a free consultation on private PPO plans.
📍 Visit our office in Fort Worth, Texas, or connect with us online.
Private PPO health insurance plans give Dallas families and professionals year-round access to flexible, comprehensive coverage.
With The Shields Agency by your side, you’ll have a trusted local partner to guide you through every option, ensuring you and your loved ones are protected — all year long.