Health Quote Online — Compare ACA Marketplace, Medicare & Supplemental Plans
Looking for a fast, accurate health quote online? We’re an independent agency that compares multiple carriers and plan types—so you don’t have to. We help individuals, families, and retirees evaluate ACA Marketplace plans (with subsidy checks), Medicare options (Advantage, Medigap, Part D), and supplemental benefits like dental/vision or accident/critical illness. Our goal: match your doctors, prescriptions, budget, and travel needs to the right coverage—without surprises later.
Why Use Our Online Quote Tools
The fastest way to a good decision is a side-by-side comparison that reflects your household and healthcare patterns. We connect you with HealthSherpa for Marketplace subsidies, a simple Medicare quote form for tailored support, and UHC One for supplemental/short-term options. As an independent agency, we explain tradeoffs across carriers—premiums, deductibles, copays, Rx tiers, HMO vs. PPO—and help you avoid gotchas like out-of-network clinics or non-covered meds.
Simple Online Tools
Check ACA subsidies, compare Medicare options with an agent, and price supplemental plans from one place.
Support Beyond Enrollment
Questions about bills, claims, or networks later? Our licensed team remains your advocate all year.
Coverage Snapshot — What You Can Quote Online
Use this table to decide where to start. Availability varies by state and county.
| Plan Type | What It Includes | Best For | Enrollment Window | Start Here |
|---|---|---|---|---|
| ACA Marketplace (Individual & Family) | Essential health benefits; income-based subsidies lower premiums and cost sharing | Self-employed, families, early retirees | Open Enrollment (winter) or SEP after life events | Shop on HealthSherpa |
| Medicare Advantage (Part C) | All-in-one Medicare; often includes Part D and extras (dental/vision/hearing/OTC) | Predictable copays and bundled benefits | Oct 15–Dec 7 (AEP) + Special windows | Medicare Help |
| Medigap (Medicare Supplement) | Helps pay Original Medicare cost-sharing; broad provider choice | Travelers/snowbirds; low out-of-pocket volatility | Open enrollment with Part B; underwriting later | Compare Medigap |
| Part D (Rx) | Standalone prescription drug coverage | Pairing with Medigap/Original Medicare | Oct 15–Dec 7 + SEPs | Check Your Meds |
| Supplemental & Short-Term* | Dental/vision, accident, hospital, critical illness; temporary medical (state rules apply) | Filling gaps or bridging to a new plan | Generally year-round | View UHC One |
*Short-term and supplemental plans have limitations and exclusions; not ACA-compliant. We’ll review details together.
How to Get an Accurate Quote Online (Checklist)
ACA Marketplace
- Household members, ages, and ZIP code
- Estimated yearly household income (for subsidy estimate)
- Doctors/clinics you want in-network
- Current prescriptions (name, dosage, frequency)
Medicare (Advantage, Medigap, Part D)
- Medicare number and Part A/B effective dates
- Medication list and preferred pharmacies
- Doctors/hospitals you want to keep
- Travel/Snowbird considerations (HMO vs. PPO vs. Medigap)
Supplemental & Short-Term
- Intended coverage start date and duration
- Budget and risk tolerance (deductibles/maximums)
- Which gaps to cover: dental/vision, accident, hospital, critical illness
Doctors, Drugs & Networks — Avoid Common Pitfalls
- Network fit: We verify your providers in-network (especially for HMOs). PPOs allow more flexibility—but check out-of-network costs.
- Rx coverage: Formularies and tiers differ by plan. We estimate annual drug costs, consider generics, and flag prior authorization/step therapy.
- Telehealth & urgent care: Many plans include $0 virtual visits or low-cost urgent care. Keep the app and nurse line handy.
- Preventive care: Most ACA/Medicare plans include $0 preventive services—use annual checkups to avoid larger surprises later.
Budgeting & Savings Tips
- Dial in the metal tier: Bronze = lower premiums/higher out-of-pocket; Silver/CSR can cut costs if you qualify; Gold/Platinum reduce out-of-pocket at higher premiums.
- HSA opportunities: With HSA-eligible plans, pre-tax contributions and preventive drug lists may reduce net costs.
- Annual review: Re-shop during Open Enrollment (ACA) or AEP (Medicare). Plans, networks, and prices change each year.
- Keep receipts: Track medical/Rx spending to select a better fit next season.
Health Quote Online — FAQs
Will I qualify for an ACA subsidy?
Subsidies depend on household size and estimated annual income. Use our HealthSherpa link to estimate credits and compare plans with the subsidy applied.
Is a short-term plan the same as ACA coverage?
No. Short-term plans are not ACA-compliant and can exclude pre-existing conditions and essential benefits. They are best for bridging gaps; we’ll review limitations first.
Medicare Advantage or Medigap—which is better?
Different strengths. Advantage plans can have lower premiums and extras but rely on networks. Medigap offers broader access and predictable cost-sharing at a higher premium. We’ll compare based on your doctors, travel, and budget.
Can I change plans outside open enrollment?
You might, if you qualify for a Special Enrollment Period (move, loss of coverage, household change, etc.). For Medicare, different SEPs may apply. Ask us to verify.
Do dental and vision come with my plan?
Sometimes. Many Marketplace and Advantage plans offer options or add-ons. Otherwise, standalone dental/vision and supplemental plans can be purchased year-round.
Compliance & Disclosure: We are not connected with or endorsed by the U.S. government or the federal Medicare program. Availability, networks, and plan features vary by location and change annually. This page is general information, not legal or tax advice.
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Blake Insurance Group
Phone: (888) 387-3687
Email: info@blakeinsurancegroup.com
Hours: Mon-Fri 9:00 am to 5:00 pm
Sat-Sun: Closed
Blake Nwosu
Owner & Principal Agent