Service 01 ยท Individuals & families
Plan selection
Most people pick a plan by premium because premium is the only number presented clearly. We present the other four.
What is included
Everything, itemised
No tiers, no upsell, no "premium" version of the same conversation. This is the whole service.
- Every on-exchange plan in your rating area, ranked by total expected annual cost rather than premium
- Your listed physicians and facilities checked against each network before the plan is shortlisted
- Your prescriptions checked against each formulary, including tier, step therapy and prior authorisation
- Deductible, coinsurance and maximum out-of-pocket modelled at low, expected and bad-year utilisation
- A written recommendation with the reasoning, so you can disagree with it on the merits
How it runs
Four steps, in this order
The order is the method. Reversing it is how most comparisons go wrong.
- 01
Intake
ZIP code, household, ages, tobacco use, projected income, and the providers and drugs you will not give up.
- 02
Filter
Plans that fail on network or formulary are removed first, before price is considered at all. Price is the last filter, not the first.
- 03
Model
Three utilisation scenarios per surviving plan. Premium plus expected cost share, twelve months, one number.
- 04
Recommend
One plan, with the runner-up and the reason it lost. You enrol when you agree, not before.
OutcomeA plan you chose on total cost and network fit, and a written record of why.
Frequently asked
About this service
Because cost-sharing reductions attach to Silver plans by statute. Between 100% and 250% of the federal poverty level, a Silver plan is silently upgraded to a 73, 87 or 94 actuarial-value variant, and the 94 variant is richer than most Gold plans while still costing a Silver premium. Choosing Bronze in that income band trades a small monthly saving for a very large deductible.
No. Every Marketplace plan is guaranteed issue. There is no medical underwriting, no condition-based rate-up, and no waiting period before an existing condition is covered. Rates vary only by age, ZIP code, tobacco use, plan and household composition.
For children, yes - paediatric dental and vision are essential health benefits. For adults, no. Adult dental and vision are bought as standalone policies, sold alongside a Marketplace plan but priced and administered separately.
Only a qualifying high-deductible plan permits HSA contributions, and carriers label those designs explicitly. They are usually Bronze or the leanest Silver. If you are receiving cost-sharing reductions, the enriched Silver variant is generally not HSA-qualified.
Also on the desk
The other three
Individuals & families
Subsidy review
Income modelling, FPL banding and cost-sharing eligibility, done before you enrol rather than discovered when you file.
Read the methodIndividuals & families
Special enrollment
Event verification, document assembly and effective-date planning for the 60-day window after a qualifying life event.
Read the methodLicensed agents
Agent platform
Book of business, quoting desk, commission reconciliation and compliance tracking for independent licensed agents.
Read the method
Next
Bring your ZIP code and your prescription list.
That is genuinely all the preparation required. There is no consumer fee at any point, and no plan on the comparison is weighted by what it pays us.