| Feature | Private PPO plan | Short-term plan |
|---|---|---|
| When you can enroll | Year-round | Year-round where sold |
| Networks | National PPO networks, such as the Cigna PPO network on Ameristead plans | Often PPO, including the Cigna PPO network on Allstate short-term medical |
| Best fit | People who want a national PPO network, year-round enrollment and a choice of plan levels | Fast, flexible coverage that can start as soon as the next day |
How to get the best price on individual health insurance
- Choose the network type you actually need.
- Compare the out-of-pocket maximum, not just the deductible.
- Compare private PPO plans for national networks and year-round enrollment.
Young adults
You can stay on a parent's plan until 26. Aging off it opens a 60-day Special Enrollment Period. See turning 26.
Frequently asked questions
How much does individual health insurance cost per month?
It depends on age, location and plan type. Ameristead’s published plan chart (November 2026) starts at $426 a month for one person.
Do I pay more by using an agent?
No. Agents are paid by insurance companies; your premium is the same as buying directly.
Individuals can also enroll year-round in Amerus Summit health plans, which use the Cigna network.
Most private plans include strong checkup benefits; see what preventive care private plans cover.
Related guides
Health insurance guides by state
Deadlines, exchanges, average premiums and short-term plan rules differ by state. Popular state guides:
Sources (checked November 4, 2026)
- KFF — Examining Short-Term Limited-Duration Health Plans
Plan availability and eligibility are determined by the carrier.