Private PPO coverage for the self-employed, truck drivers, small business owners and families, compared across top A-rated carriers, free.
5.0 from 53 Google reviews · Free, no obligation
VS Health Benefits is a licensed independent brokerage serving clients in 40+ states. We help the self-employed, 1099 workers, truck drivers, families and small businesses compare private PPO and group plans from top A-rated carriers. We work for you, not the carriers.
Doctor visits, prescriptions, the surprise ER trip. We compare every major carrier so your family gets the right plan at the lowest price, with no cost to use us.
From group health insurance for small businesses to private PPO coverage, truck driver insurance, 1099 worker health plans, health insurance for real estate agents, and dental and vision insurance, we help you compare the right options without the sales pitch.
Affordable group plans for trades, home services, dental practices, salons, and small offices. We handle implementation and renewals.
Small business health insurance →
Plans for owner-operators, 1099 and company drivers, with networks that work across state lines.
Truck driver health insurance →
Private PPO plans for freelancers, contractors and gig workers. Pick your doctors and keep your network wherever you work.
Self-employed health insurance →
Private PPO plans from top A-rated carriers with broad national networks. Open year-round.
Private health insurance →
Coverage that works for kids, partners, and parents. We compare network depth, deductibles, and out-of-pocket caps side-by-side.
Family health insurance →
Standalone or bundled dental and vision options to round out your benefits package or fill personal gaps.
Dental and vision insurance → Get a dental & vision quoteOpen enrollment runs November 1, 2026 to January 15, 2027. Enroll by December 15 for coverage that starts January 1.
When is open enrollment 2027? Dates & deadlines 2027 ACA subsidy calculator ACA income limits 2027
Trusted businesses we partner with to take care of drivers, families and small businesses beyond health insurance.
DropPay pays truckers within minutes after dropping off a load, 24/7/365. Mention VS Health for a discounted rate.
15-min call to understand your team, family, budget, and any current pain points.
We pull side-by-side quotes from the carriers that actually fit, not whoever pays the highest commission.
We handle paperwork, ID cards, and onboarding so you don't lose a day to it.
Year-round claim help, renewals, and adds/drops -- all included, no surprise fees.
Earn a flat thank-you reward for every qualified referral, whether or not they buy. It's our way of saying thank you for spreading the word.
Send your referral's name, phone number and state to info@vshealthbenefits.com, plus your own name and phone so we know who to thank.
Step oneA licensed advisor contacts the person you referred about coverage, with no pressure and no cost to them.
Step twoWhen your referred contact completes a free consultation with a licensed advisor, you receive a flat thank-you reward, whether or not they buy. No limits on how many people you can refer.
Step threeReferral rewards are flat, are paid per qualified referral and never depend on whether anyone buys insurance, as Florida law requires. Want help with your own coverage too? Get a quote first then refer away.
Real reviews from Google, from real clients we've helped.
The best plan depends on whether you need individual, family, or group coverage, and how you use your doctors. For self-employed workers, 1099 contractors, truck drivers and frequent travelers, a private PPO with a national network is usually the right call. VS Health Benefits compares plans from top A-rated carriers for free and verifies your specific doctors are in-network before you enroll.
Health insurance costs vary by age, health, state, plan type, and carrier. Individual plans typically range from $300 to $600 per month depending on the state and carrier. Small business group plans typically cost $300 to $600 per employee per month before employer contributions. We run exact quotes for your situation at no cost.
Yes. Self-employed workers, 1099 contractors, freelancers, owner-operators, and gig workers can all get private PPO coverage on their own, with nationwide networks and no employer needed. Self-employed individuals may also deduct 100% of health insurance premiums from their taxable income. VS Health Benefits specializes in coverage for self-employed individuals nationwide.
Many private PPO plans accept applications year-round, so you do not have to wait for a set enrollment window. Small business group plans can also start any month. Tell us when you need coverage to begin and we will line up options from top A-rated carriers.
No. VS Health Benefits is a licensed independent brokerage paid by the insurance carrier, not by you. Our consultations, plan comparisons, enrollment support, and year-round service are all included at no cost. Your premium is identical whether you work with us or enroll directly, and you just get expert help at no extra charge.
VS Health Benefits is based in Miami, FL and licensed in 40+ states including Florida, Texas, Georgia, North Carolina, Tennessee, and many more. We help individuals, families, and small businesses nationwide. For truck drivers and owner-operators who work across multiple states, our nationwide licensing means we can find coverage that works wherever you haul — see what truck driver health insurance costs before you commit.
