THE TRUTH ABOUT "PPO PLANS" IN TEXAS What Those Facebook Ads Are Really Selling — And What You Need to Know Before You Buy Published by Janice Grice | Texas Licensed Insurance Agent | April 2026 ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ If you live in Texas and spend any time on Facebook, you've seen them. Ads promising affordable "PPO plans" — no referrals, any doctor you want, low premiums. They sound too good to be true. In most cases, they are. As a licensed Texas insurance agent, I want to break down exactly what's being sold, why true PPO plans are almost impossible to find for individuals in our state, and what you need to know before you click "Get a Free Quote." ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ SECTION 1: THE TEXAS PPO REALITY CHECK Here is the single most important fact in this entire article: Texas has virtually no true PPO plans available to individuals and families on the open market. Every plan available on the ACA Marketplace (Healthc...