Nobody can price your health insurance with a slider, and anyone who tries is selling you a number they made up. Private PPO plans are medically underwritten — your premium depends on your age, your state, your household and your health history. So we quote it. We do not guess it.
What we need from you
4Answers
Your age
The state you live in
Who is on the plan
Basic health history
What you get back
RealNumbers
Your exact monthly premium
Deductible and out-of-pocket max
Whether your doctors are in network
Plans you can actually apply to today
Every quote is reviewed personally by Scott Binsack, licensed insurance producer · NPN 20492859 · FL License W913263. Most approvals return in under 48 hours. No obligation, no pressure.
★★★★★5.0 on Google · 197+ five-star client reviews
★★★★★
"Scott has been extremely helpful in finding private insurance quickly and efficiently. Flexible, prompt, very detailed and pleasant to work with. Highly recommend him."
Drpradnya RajeHappy Client · Google Review
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"Scott was amazing!! When I was declined, he called to tell me — and already had another plan ready and approved. Responsive whenever I had a question."
Tenielle FaulknerHappy Client · Google Review
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"Truly amazing to work with! He got my daughter and me the best insurance for our situation. Absolutely 100% satisfied with Scott's service."
Absolutely. These are fully underwritten plans from top-rated national carriers — the same networks hospitals and doctors bill every day. The difference is you're medically underwritten, which is exactly why healthy individuals and families often pay 30–50% less than marketplace rates.
What if I have pre-existing conditions?
Tell us up front — that's what your dedicated advisor is for. Depending on your situation we'll match you with the right plan type, and if a private plan isn't your best fit, we'll tell you straight and point you to what is. Real advice beats a sales pitch every time.
Can I keep my own doctors?
With true PPO access you can see any doctor, anywhere in the country, no referrals required. Before you enroll, we verify your doctors and hospitals are covered — so there are zero surprises.
Do I have to wait for open enrollment?
No. Private plans enroll year-round — you can get covered any month, any week. Most clients are approved and active within days, not months.
What does it cost to work with you?
Nothing. Our advice, quotes, and annual plan reviews are free — we're paid by the carriers, not by you. You get a personal advisor for the life of your plan at no extra cost.
Ready To Secure Your Coverage?
Affordable, portable, and tailored to your family's needs.
Private PPO health insurance is medically underwritten major-medical coverage sold outside the government marketplace by A-rated national carriers. Because healthier applicants are underwritten individually, premiums are often 30-50% lower than an unsubsidized benchmark Silver or Gold marketplace plan for the same household (and if you qualify for a marketplace subsidy, a private plan will probably cost you more — we will tell you that up front), and PPO networks let you see any doctor nationwide without referrals.
Who is Scotty Jaymes Insurance?
Scotty Jaymes Insurance is an independent, privately owned insurance agency based in Tampa, Florida, founded by licensed producer Scott Binsack. The agency is licensed in 31 states and holds a 5.0-star Google rating from 197 reviews. It is not affiliated with any government agency or the federal marketplace.
Can I buy health insurance outside of open enrollment?
Yes. Private, medically underwritten plans enroll year-round with no open-enrollment window and no qualifying life event required. Most applicants are approved and active within days rather than months.
How much does a broker cost?
Nothing. Scotty Jaymes Insurance is paid a commission by the insurance carrier, so quotes, plan comparisons, enrollment help and annual reviews are free to you. You keep the same advisor for the life of the plan.
What states can Scotty Jaymes Insurance write coverage in?
Scotty Jaymes Insurance is licensed in 31 states: Alabama, Arkansas, Colorado, Delaware, Florida, Georgia, Iowa, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maryland, Michigan, Missouri, Mississippi, Montana, North Carolina, Nebraska, Nevada, Ohio, Oklahoma, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Wisconsin, West Virginia and Wyoming.
Written and reviewed by
Scott Binsack — Founder, Scotty Jaymes Insurance
Scott is a licensed insurance producer who has personally driven more than $50 million in sales and now leads an independent agency serving individuals, families and business owners across 31 states. Every page on this site is written and reviewed by Scott so the guidance you read comes from a licensed advisor, not a content mill.
Licensed insurance producer in 31 states · NPN 20492859 · FL License W913263 · Tampa, FL · 5.0★ from 197 Google reviews · Last reviewed July 2026 · Read Scott's full bio
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Licensed in 31 states: Alabama, Arkansas, Colorado, Delaware, Florida, Georgia, Iowa, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maryland, Michigan, Missouri, Mississippi, Montana, North Carolina, Nebraska, Nevada, Ohio, Oklahoma, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Wisconsin, West Virginia, Wyoming.
Scotty Jaymes Insurance is a private, independent insurance agency. We are not affiliated with, endorsed by, or connected to any government agency, the federal Medicare or Medicaid programs, or any state or federal health insurance marketplace, including Healthcare.gov. Plan availability, benefits and pricing vary by state and by applicant.
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