Check doctors, prescriptions, and costs in one place.
Compare plans fast and enroll when ready—or ask a licensed agent a quick question.
Compare plans side-by-side to see what you’ll actually pay—premiums, deductibles, and doctor networks—before you enroll.
Pick a path below to compare plans in minutes. Check doctors, prescriptions, and total costs before you enroll.
Focus on what matters most—networks, prescriptions, and total yearly costs.
See Marketplace options side-by-side and find coverage that fits your budget and care needs.
Get personalized guidance in seconds. No SSN, no Medicare ID, no medical records.
Check doctors, prescriptions, and costs—then ask a quick question if you want a human touch.
Focus on what changes your real cost: networks, prescriptions, copays, and out-of-pocket limits.
Tip: Have your ZIP/county, doctors, and medications ready.
Compare premiums and deductibles, confirm networks, and see the tradeoffs clearly.
Tip: Have household size, income estimate, ZIP, doctors, and prescriptions ready.
Real customers. Real results. Real peace of mind.
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Compare plans by doctors, prescriptions, and total costs—then choose confidently before you enroll.
See plan options side-by-side and find coverage that fits your budget, doctors, and everyday care needs.
Medicare is for 65+ or certain disabilities; ACA Marketplace is for under 65 without Medicare, based on household and income, with subsidies for many.
Medicare generally covers people 65+, or under 65 with qualifying disability, ESRD, or ALS. ACA Marketplace plans are typically for people under 65 who are not on Medicare, and pricing depends on household size and income (subsidies may reduce premiums).
People ask about premiums, deductibles, doctor networks, prescriptions, copays, out-of-pocket max, subsidies, deadlines, plan types, and what happens if they switch.
Choose Medicare or ACA to jump into the quote tool. You can browse privately first—no signup required.
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Under 65
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Quick clarity on what matters—costs, networks, prescriptions, and next steps.
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Your monthly payment to keep your insurance active. You pay this whether you use healthcare or not. Think of it like your Netflix subscription—you pay monthly to have access.
The amount you pay out-of-pocket before your insurance starts sharing costs. For example, with a $1,500 deductible, you pay the first $1,500 of covered services yourself, then your insurance kicks in.
After you meet your deductible, you and your insurance split costs. Common splits are 80/20 or 70/30. If it's 80/20, your insurance pays 80% and you pay 20% of covered services.
A fixed amount you pay for specific services, like $30 for a doctor visit or $10 for generic prescriptions. Copays usually don't count toward your deductible but do count toward your out-of-pocket max.
The most you'll pay in a year for covered services. Once you hit this limit, your insurance pays 100% for the rest of the year. This protects you from catastrophic medical costs.
1. Explanation of Benefits (EOB): A statement from your insurance showing what was charged, what they paid, and what you owe. Not a bill!
2. Prior Authorization: Your doctor must get approval from insurance before certain procedures or medications are covered.
3. In-Network vs Out-of-Network: In-network providers have contracts with your insurance for lower rates. Out-of-network costs more or may not be covered.
4. Allowed Amount: The maximum your insurance will pay for a covered service. If a doctor charges more, you may pay the difference (if out-of-network).
5. Coordination of Benefits (COB): When you have two insurance plans, this determines which pays first (primary) and which pays second (secondary).
The most common health insurance questions, answered simply
Average premium: $450/month with subsidies available based on your income.
Check provider networks before choosing a plan to ensure your doctors are covered.
All plans cover 10 essential health benefits by law, including preventive care.
Open enrollment: Nov 1 - Jan 15, or anytime with a qualifying life event.
Check the plan formulary to see if your specific prescriptions are included.
Medicare + ACA coverage—clear answers, fast.
GenerationHealth.me provides direct online solutions to help you understand, compare, and enroll in Medicare and ACA (Marketplace) health coverage—with guidance tailored to your situation.
Yes. We can help you explore Medicare Advantage (Part C), Medicare Supplement (Medigap) options, and Part D prescription coverage, including plan comparisons and next steps for enrollment.
Yes. We’ll walk through key factors that affect eligibility—household size, estimated income, and coverage needs— so you can understand potential premium tax credits and cost-sharing reductions.
Start online, answer a few questions, and we’ll guide you to the right coverage path. You can compare options, confirm details, and move toward enrollment with support along the way.
Helpful items include your ZIP code, preferred doctors/prescriptions (if applicable), and basic household details. For ACA, an estimate of annual household income is especially useful.
Many services are available at no cost to you. If a paid option applies to a specific service, we’ll make that clear before you commit.
Use the contact form on GenerationHealth.me. If you’re reaching out about a specific plan or deadline, include your state and a quick summary so we can help faster.
No—GenerationHealth.me provides insurance and coverage guidance, not medical advice. For health questions, consult a licensed healthcare professional.
Rob Simm is a licensed U.S. health insurance advisor and founder of GenerationHealth.me, specializing in Medicare, ACA Marketplace coverage, and supplemental health plans. With years of hands-on experience helping individuals, families, and seniors navigate complex insurance choices, Rob focuses on simplifying coverage options, breaking down costs, and guiding clients toward plans that truly fit their needs.
He is certified annually with top national carriers, trained in CMS compliance standards, and actively supports clients across North Carolina, Virginia, and multiple U.S. regions. Rob is known for his clear explanations, data-driven approach, and commitment to ethical, transparent insurance guidance.
When he’s not helping people compare plans or lower healthcare costs, Rob continues researching federal updates, Medicare rule changes, and marketplace trends to ensure every article at GenerationHealth.me reflects the most accurate, current information available.
For personalized help with Medicare or Marketplace coverage, connect with Rob at GenerationHealth.me.
📍 Based in North Carolina | ☎️ (828)761-3324 | ✉️ Contact Rob
⚖️ Compliance & Trust Disclaimer
Information provided on this page is for educational purposes only and should not be considered legal or financial advice.
Plan availability, premiums, and benefits may vary by location and carrier.
Always verify specific details with a licensed insurance professional or directly with Medicare.gov before enrolling.
GenerationHealth.me and Robert Simm are independent agents and not affiliated with or endorsed by the U.S. government or the federal Medicare program