Private Health Insurance Solutions
Health insurance isn't one size fits all. I compare the options available to you based on your healthcare needs, doctors, budget, and priorities, so you can make an informed decision about your coverage.
Licensed in 32 States · NPN 21588998
Based in Keller, Texas · Serving clients across 32 states
Hi, I'm Kerri, an independent health insurance broker and advisor based in Keller, Texas. I serve clients locally and nationwide in 32 states. No call centers, no pressure. Just a direct line to me.
Start Here
Choose the situation that best fits where you are today.
Explore health insurance options when you buy your own coverage.
Explore OptionsCompare coverage options for yourself, your spouse, or your family.
Explore OptionsSee what options may be available before automatically choosing COBRA.
Explore OptionsUnderstand your coverage options when you're coming off a parent's health plan.
Explore OptionsExplore health insurance options for yourself, your family, or your business.
Explore OptionsAlready have health insurance? Compare your current coverage with other available options.
Explore Options
I'm Kerri, a mom, a Texas girl, and a health insurance broker based in Keller. After spending more than 20 years in orthodontics, I made a career change that gave me the opportunity to build something of my own while helping people with something that can honestly be pretty confusing.
Today, I work with individuals, families, self-employed and 1099 professionals, and small business owners across Texas and in 32 states nationwide. I take the time to understand what you're looking for, explain the options available, and help you choose coverage that makes sense for you.
For me, this business is personal. My son Joshua is my why, and I understand how much the decisions we make for ourselves and our families matter.
When you work with me, you work directly with me. No call center. No pressure. Just a real conversation and someone you can call when you have questions.
Keller, Texas · Licensed in 32 States
"When I'm not helping clients navigate health insurance, you'll usually find me spending time with my son Joshua or chasing after Daisy and Piper."
"I had an excellent experience working with Kerri to get insurance for my family set up. She was incredibly knowledgeable, patient, and took the time to explain all of my options in a way that was easy to understand. Kerri made what could have been a confusing process feel very simple and stress-free."
Whitney Williams
Family Plan Member
Google Review
The Difference
Here are some of the features that draw people to PPO coverage — and where it may, or may not, be the right fit alongside Marketplace and other available options.
Common Questions
Private PPO health insurance is coverage purchased outside the government Marketplace through a Preferred Provider Organization network. You can see specialists without referrals, use nationwide PPO networks, and often enroll year-round. Private PPO plans are a popular Marketplace alternative for people who want broader provider access and more flexible underwriting.
Yes. Self-employed health insurance and 1099 health insurance are core specialties. As an independent health insurance broker, I compare private PPO health insurance plans and Marketplace options side by side, so 1099 contractors and small business owners can find coverage that matches their income, providers, and travel needs.
Absolutely. Family health insurance through a private PPO can include nationwide networks, low deductibles, and direct specialist access for every member of the household. I help families compare private PPO health insurance plans, ACA Marketplace plans, and short-term options to find the right balance of premium and protection.
A licensed health insurance broker — or health insurance advisor — represents you, not a single carrier. I review your current coverage, doctors, prescriptions, and budget, then compare private PPO health insurance, Marketplace plans, and supplemental options across the carriers available in your state. There is no cost to work with a broker.
Yes. Small business health insurance is one of the four service lines I offer. I review every group medical, dental, vision, and life option available where your employees live and recommend a benefits package designed to help you attract and retain talent.
There is no additional fee to work with me. If you enroll in a plan through me, I may be compensated by the insurance company. My role is to help you understand the options available and choose coverage that makes sense for your situation.
Have more questions? Contact Kerri directly.
One of the questions I'm asked most often. Here is a side by side look at the differences that matter when you're choosing coverage.
Feature
Network access
Marketplace / ACA
Network structure varies by plan and may include HMO, EPO, or PPO networks depending on the carrier and area.
Private PPO
Broader PPO network options may be available, including plans with nationwide network access.
Feature
Specialist access
Marketplace / ACA
Referral requirements vary by plan and network type.
Private PPO
Many PPO plans allow direct access to in-network specialists without a referral.
Feature
Out-of-state coverage
Marketplace / ACA
Coverage outside the plan's service area varies by plan. Emergency care is covered according to plan terms.
Private PPO
Some PPO options provide broader network access for people who travel or live in multiple states.
Feature
Deductibles
Marketplace / ACA
Deductibles and out-of-pocket costs vary by plan and metal level.
Private PPO
Different deductible and benefit structures may be available depending on the plan.
Feature
Preventive care
Marketplace / ACA
ACA-compliant plans generally cover eligible in-network preventive services without cost sharing, subject to federal guidelines and plan terms.
Private PPO
Preventive and wellness benefits vary by plan. Some options provide benefits before the deductible.
Feature
Enrollment
Marketplace / ACA
Generally available during Open Enrollment or following a qualifying life event.
Private PPO
Some private health insurance options accept applications year-round, subject to eligibility and approval.
Feature
Pricing
Marketplace / ACA
Premiums may vary based on age, location, household information, plan selection, and eligibility for premium tax credits.
Private PPO
Premiums and eligibility vary based on the carrier, plan, state, and applicable eligibility requirements.
Plan availability, benefits, deductibles, provider networks, premiums, and eligibility vary by carrier, state, and underwriting approval.
Not sure which side of the table fits your life? That's exactly what a complimentary consultation is for.
Compare my optionsWhy PPO Matters
Many PPO plans allow direct access to in-network specialists without a referral and may offer broader provider access locally and nationwide.
One Advisor
From questions about your options to enrollment and beyond, you have one advisor who already knows you and your coverage.
Local Coverage
Serving North Texas families and self-employed professionals locally, and clients nationwide by phone and video.
PPO coverage is built around choice. Depending on your plan, you decide which doctors to see, when to see them, and how to manage your health.
Many PPO plans offer broad networks of doctors, hospitals, and specialists, and some options include nationwide network access.
Many PPO plans let you see an in-network specialist without waiting on a primary care referral, so your health decisions stay in your hands.
Depending on your plan, PPO options may cover a portion of out-of-network care, so you're not limited to a narrow list of providers.
Preventive benefits vary by plan. Many options cover eligible physicals, screenings, and wellness visits with little or no cost sharing.
Available PPO options may include direct access to the in-network specialists you trust — cardiologists, orthopedists, dermatologists, and more.
Ready to compare?
Coverage Map
Helping individuals, families, and self-employed professionals across the country.
No applications until you're ready. No quotas, no scripts — just a calm, considered process designed around how you actually make decisions about your family's health.
We start with a short call. You share what's going on — coverage today, life changes ahead, budget, doctors you want to keep. I listen.
I compare the health insurance options available based on your needs, budget, doctors, and priorities. Then I walk you through the differences clearly so you can decide what makes the most sense for you.
We enroll together, and I'm still here afterward for renewals, claims questions, life changes, and questions about your coverage.
Stop by my Keller office or give me a call. I'm happy to answer questions, learn more about what you're looking for, and help you understand your health insurance options.
Office
108 E Hill StreetDirect Line
817-986-6132Hours
Monday – Friday · 9:00 AM – 5:30 PM
Evenings & weekends by appointment
Schedule a Complimentary Consultation
Tell me what you're looking for and the best way to contact you. I'll personally connect with you to learn more about your situation and help you understand the options available.
A closing thought
Because health insurance is personal.
Health insurance can be complicated. My job is to make the process easier to understand so you can choose what makes sense for yourself, your family, or your small business.
If we've worked together, I'd love to hear about it. Reviews are sent straight to me first — I'll personally read every one before it appears on the site.
