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Coverage Built Like Nothing Else.

Protect your family with nationwide PPO coverage — lower premiums, zero confusion, and service that actually knows your name. Now offering Group & Business coverage for companies nationwide.

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★Finally, insurance that works for my family★Saved me $600/month with better coverage ✦True Nationwide PPO Access✦No Contracts · No Referrals ✦Year-Round Enrollment✦Dedicated Personal Advisor
Six Ways We Protect You

Understanding Your Benefits

Maximize what you get from your coverage — six pillars, every one backed by top-rated carriers with nationwide PPO access.

01

Private PPO Health Plans

Nationwide access to providers, lower month-to-month premiums, and low deductibles — beating marketplace and employer coverage head-to-head.

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02

Individuals & Families

Plans designed for every household — individuals, families, 1099s, and the self-employed who don’t qualify for ACA-based solutions.

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03

Tax-Advantaged Options

Keep more of what you earn with structures permitted to be fully tax-deductible — maximizing savings for the self-employed and 1099s.

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04

Portability & Freedom

Your coverage moves with you anywhere in the U.S. — job changes, relocation, travel. No lock-in to a contract or network.

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05

Dedicated Advisor & White-Glove Service

A personal advisor who knows your family, reviews your plan every year, and keeps your coverage optimized — zero headaches.

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FOR BUSINESS OWNERS 06

Group & Business Coverage

Tailored private PPO plans for business owners and teams — lower premiums, better benefits, nationwide protection. Save 30–50% while protecting your people.

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Backed by top-rated carriers with nationwide PPO access
How It Works

Simple. Fast. Coverage That Fits.

Covered in three easy steps — no paperwork, no waiting, just protection that fits your life.

1

Quick Call

Book a free consultation with a licensed advisor. We learn your needs in minutes.

2

Plan Review

We compare options and design a plan tailored to your family, lifestyle, and budget.

3

Coverage Starts

Enroll on the spot. Nationwide PPO coverage that travels with you — no contracts, no hidden fees.

Real Quote, Not A Guess

What Will You Actually Pay?

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.

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See The Difference Instantly

ACA Marketplace vs Private PPO

Watch the checks land — this is why thousands switch.

Swipe to compare →
FeatureACA / MarketplacePrivate PPO
Monthly premiumsOften $800–$1,000+✔ As low as $300–$600
Network access✖ Narrow, limited doctors✔ Nationwide PPO
DeductiblesOften $5,000–$8,000+✔ Low deductibles
Tax advantages✖ None✔ Structured for 1099s & owners
EnrollmentOpen Enrollment / QLEs only✔ Enroll anytime, year-round
✔ Full advantage✖ Not availableTypical marketplace reality

Protect Your Team. Empower Your Business.

Your company deserves coverage that moves as fast as you do. Our Group & Business plans are built for entrepreneurs, small businesses, and growing teams — private PPO benefits, flexible design, and 30–50% average savings.

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50+Licensed Agents Nationwide
$50M+Premiums Sold
7,000+Clients Served Agency-Wide
200+Businesses Covered
Authorized · Nationwide

31 States. One Standard.

Hover any glowing state for plan pricing — then click it to drop straight into your quote. Same premium PPO access, coast to coast.

Licensed & Active Expanding Soon 31 States

Ready To Secure Your Coverage?

Affordable, portable, and tailored to your family’s needs.

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Common situations

Where are you right now?

Pick the one that sounds like you. Every page below is a straight answer written by a licensed producer, not a form wall.

Coverage ending

I lost my employer coverage

Laid off, walked away, or the company dropped the plan. You have a 60 day window and it is shorter than it sounds.

See what to do ↗Enrollment closed

I missed open enrollment

The marketplace window shut. Private plans do not run on that calendar, so you are not stuck waiting until next year.

See what to do ↗Aging off

I am turning 26

You are coming off your parents plan. Start about 60 days out and you never have a single uncovered day.

See what to do ↗Renewal shock

My premium went up again

The renewal letter landed and the number jumped. You are not locked in. A side by side takes about ten minutes.

See what to do ↗

None of these? See every coverage type we place or get your real number.

Scott Binsack
Scott BinsackCEO · Scotty Jaymes Insurance
5.0★197 reviews

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Written and reviewed by

Scott Binsack, licensed insurance producer and founder of Scotty Jaymes Insurance

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

Explore coverage & locations

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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