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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.

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Pick a path below to compare plans in minutes. Check doctors, prescriptions, and total costs before you enroll.

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🔎 Medicare Advantage

Compare Medicare Advantage Plans

Focus on what matters most—networks, prescriptions, and total yearly costs.

  • Doctor & hospital networks (where you can receive care)
  • Prescriptions & pharmacy costs (drug list + preferred pharmacy)
  • Premiums, copays, and out-of-pocket limits (yearly max)
👨‍👩‍👧‍👦 ACA Marketplace

Compare ACA Health Plans for Families

See Marketplace options side-by-side and find coverage that fits your budget and care needs.

  • Monthly premiums and deductibles (tradeoffs that affect budget)
  • Networks for doctors and hospitals (who's in-network)
  • Total yearly costs and coverage extras (benefits + protections)
No signup required • Private • No-obligation
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INSTANT ANSWERS • MEDICARE • ACA • SUPPLEMENTAL

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Get personalized guidance in seconds. No SSN, no Medicare ID, no medical records.

Compare Medicare & ACA plans in minutes.

Check doctors, prescriptions, and costs—then ask a quick question if you want a human touch.

Medicare

Medicare Plan Comparison (65+)

Focus on what changes your real cost: networks, prescriptions, copays, and out-of-pocket limits.

  • 🏥
    Doctors & hospitalsConfirm networks and where you can receive care.
  • 💊
    Prescriptions & pharmaciesCheck drug coverage and preferred pharmacies.
  • 💵
    Costs that matterCopays, deductibles, and max out-of-pocket.
Compare Medicare Plans

Tip: Have your ZIP/county, doctors, and medications ready.

ACA Marketplace

ACA Plan Comparison (Under 65)

Compare premiums and deductibles, confirm networks, and see the tradeoffs clearly.

  • 👪
    Household & eligibilityPricing varies by county and household details.
  • 📊
    Premium vs deductibleBalance monthly cost with care-time cost.
  • 🩺
    Network & prescriptionsConfirm doctors, hospitals, and drug coverage.
Compare ACA Plans

Tip: Have household size, income estimate, ZIP, doctors, and prescriptions ready.

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🔎 What Are the Best Medicare Advantage Plans Available in Your Area?

Compare plans by doctors, prescriptions, and total costs—then choose confidently before you enroll.

👨‍👩‍👧‍👦 What Are the Best Health Insurance Options for Families in Your Area?

See plan options side-by-side and find coverage that fits your budget, doctors, and everyday care needs.

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Eligibility

Who qualifies for Medicare vs ACA?

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 vs ACA eligibility
generationhealth.me • Eligibility

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).

Tip: Use Chat if you're unsure (age + coverage + income range).
Top questions

Top questions people ask before choosing a plan

People ask about premiums, deductibles, doctor networks, prescriptions, copays, out-of-pocket max, subsidies, deadlines, plan types, and what happens if they switch.

Tip: Have your ZIP, doctors, and medication list ready.
Continue

Continue to quotes

Choose Medicare or ACA to jump into the quote tool. You can browse privately first—no signup required.

No signup required • Private • No-obligation
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Medicare

65+ or eligible

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Health Insurance

Under 65

Marketplace & ACA plans

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Ask an Expert

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INSTANT ANSWERS • MEDICARE • ACA • SUPPLEMENTAL
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About our guidance
How we help you choose

Quick clarity on what matters—costs, networks, prescriptions, and next steps.

Compare premiums, doctors, prescriptions, and out-of-pocket exposure.
Understand enrollment timing and eligibility without the jargon.
Get a guided path to a licensed agent when you're ready.
Trust
Licensing & disclosures

Transparent, compliant, and straightforward.

Licensed agents available (where applicable).
Not affiliated with or endorsed by the government.
We may receive compensation from carriers (no added cost to you).
Understanding Your Insurance Costs

💰 Premium

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.

💵 Deductible

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.

🤝 Coinsurance

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.

🏥 Copay

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.

🛡️ Max Out-of-Pocket

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.

📋 Top 5 Medical Claim Terms

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).

Licensing & Disclosures

  • GenerationHealth is not affiliated with or endorsed by the U.S. government or the federal Medicare program.
  • Licensed insurance agents are available in applicable states to assist with Medicare Advantage, Medicare Supplement, and ACA Marketplace plans.
  • We may receive compensation from insurance carriers when you enroll in a plan. This compensation does not affect the price you pay for coverage.
  • All information provided is for educational purposes. We recommend consulting with a licensed agent before making final enrollment decisions.
  • By contacting us, you consent to receive communications about insurance products via phone, email, or text message.
Health Insurance Questions

Questions People Ask

The most common health insurance questions, answered simply

💰

How much will it cost?

Average premium: $450/month with subsidies available based on your income.

Can I keep my doctor?

Check provider networks before choosing a plan to ensure your doctors are covered.

📋

What does it cover?

All plans cover 10 essential health benefits by law, including preventive care.

When can I enroll?

Open enrollment: Nov 1 - Jan 15, or anytime with a qualifying life event.

💊

Are my meds covered?

Check the plan formulary to see if your specific prescriptions are included.

🤍 About the Author


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