Johnny joins us to unpack a new off-exchange health plan option from Presidio, designed specifically for healthy individuals who are getting crushed by marketplace premiums. We compare ACA plans versus off-exchange coverage, explain why premiums are so high for healthy earners, and explore how medical underwriting, PPO access, and simplified benefit structures can dramatically reduce monthly costs.

We also cover:

Why healthy individuals often overpay on ACA plans

How Presidio’s PPO network works (including nationwide access)

Zero deductibles and how 50% cost-sharing actually functions

Separate illness vs. accident out-of-pocket maximums

Flexible enrollment with no open enrollment window

Auto-renewals, cancellations, and switching between employer plans

If you’re self-employed, a business owner, or simply tired of paying $600+ a month for coverage you barely use, this episode gives you a clear, honest look at an alternative worth considering.

🎧 Subscribe, follow, and reach out if you have questions. We’re here to help you navigate your options with clarity, not confusion.