Leslie! I am a licensed health advisor for TX and 31 additional states. I have access to full coverage PPO plans that are specifically designed for the self employed family or individual. These plans are comprehensive, and do tend to run hundreds of dollars below the standard marketplace price point. In addition, the deductibles also tend to be much lower than those on the marketplace. If you are interested in a quote or just a simple policy review of your current plan, I would be happy to help. xxx.xxx.xxxx