That “PPO Plan” in Your Facebook Feed Might Not Be What You Think If you’ve been on Facebook lately, you’ve probably seen them: ads for “PPO health plans” with “nationwide networks,” “no deductibles,” and monthly prices that look like a fraction of what the Marketplace charges, especially if you don’t qualify for a subsidy. With ACA Open Enrollment going on right now, I’ve been seeing more of these than ever, and I’ve been getting calls from people who are confused about what they actually signed up for. So let’s talk about it. Not to scare anyone off, but so you can tell what you’re really looking at before you hand over your information or your money. Why so many people are looking outside the Marketplace Let’s be honest about what’s driving this. For a lot of families, Marketplace coverage has become very expensive. The extra premium help that many people had for the last few years expired at the end of 2025, and Congress hasn’t extended it. That means the original rules ...