You can still get a nationwide PPO in Wisconsin through me, and Brown County is one of the few places where the marketplace sells one at nearly the EPO price. Here is how Green Bay owners use that.
Hi, I'm Sam Jaber, a licensed broker in Tampa with licenses in 36 states. Wisconsin business owners can work through family coverage with me by phone.
Imagine a couple in De Pere who own a cheese and specialty-foods shop with a wholesale side that supplies restaurants around Green Bay and up into Door County. The holidays and summer tourist season carry the year. For a long time, one of them worked for a paper company in town, and that job provided the family's insurance. Now the wholesale business needs two full-time owners, and the family of four is about to buy coverage on HealthCare.gov for the first time.
Brown County has 57 individual medical plans for 2026: 31 HMOs, 18 EPOs and 8 PPOs. That makes it one of the few Wisconsin counties with a marketplace PPO at all; the PPOs are sold in just 15 of the state's 72. And it's priced fairly: compare silver plans for a 40-year-old with no subsidy, and the PPO sits just 4% above the most affordable EPO.
Through me, you can still get a nationwide PPO in Wisconsin on the private side as well, priced on each family member's health, with a network that reaches past the Fox Valley to wherever the family travels.
Wisconsin's continuation law is broad: it applies to insured group plans at employers of any size and can extend coverage up to 18 months, although it doesn't cover self-funded employer plans. That can be a bridge while the business finds its footing. Losing the job's coverage also opens a marketplace enrollment window, so compare both before you decide.
HealthCare.gov is the only place the credit applies. Because the credit is tied to a benchmark silver plan, the PPO's extra 4% comes out of the family budget, which is a small price for broader coverage. Off-network care on an EPO is generally covered only in emergencies, whereas the PPO still contributes, leaving more of the cost with you. With trips to see family or kids playing tournaments around the Midwest, the credit-backed marketplace PPO is often a smart buy here.
Next step: Bring last year's return and the family's doctors, and I'll price Brown County's PPO and EPOs after your credit.
Above the credit line, each family member pays the full sticker. Compare the marketplace PPO against a private nationwide PPO. On the private side, each person completes a health questionnaire and comes back approved, approved minus one specific condition, or declined. Healthy families frequently pay less than the marketplace's full rate. We look at benefits plan by plan.
Next step: Call me and I'll price a nationwide PPO for the family beside Brown County's full marketplace prices.
Hiring someone who isn't an owner or a relative may let the shop offer a group plan through SHOP, the small-business marketplace. Whether that beats the family's individual coverage depends on the employee and the budget.
Next step: Before the new hire's first day, ring me and we'll compare group coverage with what the family has.
Straight answers, no sales pitch.
Yes, eight of them, and in Brown County the most affordable silver PPO runs 4% above the most affordable silver EPO.
Possibly. Wisconsin's continuation law covers insured group plans at employers of any size for up to 18 months, but not self-funded plans.
Yes. The Wisconsin Healthcare Stability Plan began in 2019 and has been extended through 2028.
Yes. Healthy owners and their families can buy one privately through me.
Send your county, everyone's ages, roughly what the business netted, and whether either of you has a job with group coverage. You'll get the marketplace PPO and a private one priced side by side, plus my pick.
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