A calmer way to compare health plans
Know what matters before the plan cards blur together.
Turn your care needs and financial comfort zone into a clear plan-shopping checklist—without giving us your phone number.
Build my comparison brief ↓Can I keep my doctors?
Your shopping checklist
Start with what matters to you
No name · No phone · No plan application
What the brief does
01
Define the decision
Set the expected care pattern and bad-year financial constraint. Preview mode does not collect household details it cannot use.
02
Take the comparison brief
Get a plan-document checklist and a clear order for comparing premium, deductible, network, formulary, and bad-year exposure.
03
Verify on the official marketplace
Use HealthCare.gov or your state marketplace for current eligibility and plan availability, then confirm doctors and drugs directly.
Want the method and release boundary in detail?See what the result uses—and what it refuses to claim →
New here?
Learn the three numbers before you pick
Premium, deductible, and out-of-pocket maximum decide what a plan really costs — in a normal year and a bad one. Our plain-English guide shows you how to weigh them, then hands you back to your comparison brief.
Common questions
Do you ask for my phone number?
No. There is no phone field anywhere on this site, and no name or email is required to build the comparison brief. Emailing the checklist is optional and uses double opt-in.
Does this rank actual plans?
Not in preview mode. The brief uses expected care and financial buffer to create a comparison order and verification checklist. It does not present fixture carrier names, premiums, networks, formularies, or subsidies as live plan results. Current eligibility and plan availability must be verified on HealthCare.gov or your state marketplace.
Will I get a premium subsidy?
Eligibility depends on plan year, household information, income, and marketplace rules. When live quote context is available, it is labeled as context rather than a carrier quote. HealthCare.gov or your state marketplace makes the eligibility determination.
What should I compare between plans?
Start with annual premium, deductible, copays and coinsurance, in-network out-of-pocket maximum, provider network, drug formulary, referral rules, and out-of-network terms. The brief keeps those checks in a specific order based on the care pattern and financial buffer you enter.
Is this the official Health Insurance Marketplace?
No. HealthQuoteHero is not a government website and is not affiliated with HealthCare.gov or any state marketplace. We help you compare and understand plans first; you enroll through the official marketplace or directly with the carrier.
Do you keep my data?
The door does not create an account or store the answers. If you choose to continue to MedicalRecords.com, the handoff URL carries only the insurance-shopping intent—not the ZIP, ages, income, care pattern, or financial-buffer answers.
Sources: HealthCare.gov plan categories, plan-comparison guidance, provider directories, and formularies. General information, not financial or medical advice. Last reviewed August 11, 2026.
Understand it before you buy it
Sourced benchmark context and plain-English guides — no phone number, ever.
Health insurance by state →
Published 2026 benchmark context in all 50 states and DC, with source and scope shown.
Metal tiers explained →
Bronze vs Silver vs Gold vs Platinum — what each covers and who it fits.
Premium vs deductible vs OOP max →
The three numbers that decide what a plan really costs in a year.
When you can enroll →
Open Enrollment, Special Enrollment, and the 60-day clock that catches people out.
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