(760) 273-5244 Get Started
Licensed Independent Agents · Serving All 50 States

The right Medicare or ACA plan, explained in plain English.

We compare plans from top carriers so you don't have to. Free consultations, no pressure, and clear answers about costs, coverage, and eligibility — from real licensed agents, not a call center script.

Get Started Call (760) 273-5244
Licensed & Bonded
Same-Day Callbacks
No Cost to You
Licensed agent reviewing Medicare coverage options with a senior client
✓
Coverage reviewedPlans matched to your needs
☎
Talk to a real person(760) 273-5244
12,000+
clients helped nationwide
12,000+Clients Helped
50States Served
4.9★Average Rating
15+Carrier Partners
Comparing plans from Aetna · Humana · UnitedHealthcare · Cigna · Anthem · Blue Cross and more
Coverage Options

Medicare & ACA plans we help you compare

Whether you're turning 65, already on Medicare, or shopping for Marketplace coverage, we walk you through real side-by-side options — not a one-size-fits-all pitch.

Most Requested
🏥

Medicare Advantage

All-in-one plans that combine Part A, B, and usually D — often with extra benefits.

  • Dental, vision & hearing
  • $0 premium options available
  • Prescription coverage included
  • Fitness & OTC benefits
Compare This Plan
📋

Medigap (Supplement)

Works with Original Medicare to help cover deductibles, coinsurance, and copays.

  • Predictable out-of-pocket costs
  • Any doctor who accepts Medicare
  • Standardized plan letters (A–N)
  • Guaranteed renewable
Compare This Plan
💊

Part D Prescription

Standalone drug coverage that works with Original Medicare or some Medigap plans.

  • Wide formulary options
  • Help with high-cost drugs
  • Mail-order pharmacy savings
  • Extra Help eligibility check
Compare This Plan
👨‍👩‍👧

ACA Marketplace

Qualified health plans for individuals and families under 65, with potential subsidies.

  • Income-based premium tax credits
  • Essential health benefits
  • Open Enrollment & Special Enrollment
  • Metal tiers: Bronze–Platinum
Compare This Plan
Explore Your Options

Coverage built around different stages of life

Medicare and ACA coverage solve different needs. Use these quick overviews to understand where each option fits before you speak with an agent.

Senior couple discussing healthcare options

Medicare Advantage

An alternative way to receive Medicare benefits, often combining medical and prescription coverage with additional benefits.

Explore coverage
Doctor discussing care with a patient

Medigap / Supplement

Supplemental coverage designed to work alongside Original Medicare and help with certain out-of-pocket costs.

Explore coverage
Healthcare professional reviewing medication information

Part D Prescription

Standalone prescription drug coverage that can help manage medication costs when paired with eligible Medicare coverage.

Explore coverage
Family healthcare consultation

ACA Marketplace

Individual and family health plans for people under 65, with eligibility and financial assistance depending on circumstances.

Explore coverage
Healthcare professional consulting with a patient
Coverage conversations should feel clear, personal and practical.
Coverage With Context

Insurance is easier to understand when it connects to real life.

Your doctors, prescriptions, preferred hospitals, budget and eligibility all matter. Our existing comparison process is designed to bring those details into one straightforward conversation.

Your doctorsConsider provider networks and whether your preferred doctors participate.
Your prescriptionsReview drug coverage and formularies when prescription costs matter.
Your budgetLook beyond premiums and understand deductibles and out-of-pocket costs.
Your eligibilityEnrollment windows and eligibility rules shape which options are available.
A Clearer Way Forward

Three things to understand before choosing coverage

Good comparison starts with the details that can change how a plan works for you.

01
⌕

Check the network

Provider access can differ by plan. Ask whether your doctors, hospitals and specialists are included.

02
$

Understand total costs

Compare premiums alongside deductibles, copays, coinsurance and other out-of-pocket expenses.

03
✓

Review the details

Coverage, formularies, enrollment periods and benefits can vary by plan, carrier, ZIP code and eligibility.

Have questions about your coverage options?

Speak directly with a licensed agent and walk through what matters to you.

Call (760) 273-5244
Healthcare In Real Life

Support for the moments that matter

From comparing options to reviewing coverage, the experience should stay human and easy to follow.

Modern healthcare environment

Modern care, clearer coverage

Understand the coverage details behind the healthcare services you rely on.

Person reviewing information on a laptop

Review your options

Compare what is available in your area with a real person on the phone.

Coverage Guide

See how the main options differ

A simple educational overview. Exact availability, costs and benefits depend on your situation, location and the plan selected.

Coverage typeDesigned forHow it worksPrescription coverage
Medicare AdvantagePeople eligible for MedicareAlternative way to receive Medicare benefitsUsually included
Medigap / SupplementPeople with Original MedicareHelps with certain Medicare cost-sharingSeparate Part D may apply
Part DEligible Medicare beneficiaries needing drug coveragePrescription drug coverageYes
ACA MarketplaceIndividuals & families under 65Qualified health plan marketplace coveragePlan dependent
Plan Benefits

What you can expect from the right plan

Across the carriers we work with, these are the benefits our clients ask about most.

Dental, Vision & Hearing

Many Medicare Advantage and ACA plans bundle in routine care that Original Medicare leaves out.

$0 Premium Options

Depending on your ZIP code and eligibility, several plans may carry no monthly premium at all.

Nationwide Provider Networks

Keep the doctors you trust, or find in-network specialists close to home wherever you live.

Prescription Coverage

From standalone Part D to plans with built-in drug coverage, we match your medication list.

Year-Round Support Line

Questions about a claim or a formulary change don't wait for Open Enrollment — neither do we.

No-Cost Enrollment Help

We're paid by carriers, not by you — comparisons, guidance, and paperwork cost nothing.

Licensed agent visiting with an elderly patient to review coverage
Why Horizon

Independent advice. Real people. No sales scripts.

We're not employed by any single carrier. Our only goal is to help you find coverage that actually fits your life and your budget.

Independent & Unbiased

We work with multiple major carriers, so you get real side-by-side comparisons instead of one company's pitch.

Licensed Local Experts

Every agent is state-licensed and trained on Medicare and ACA rules, from enrollment periods to dual eligibility.

Year-Round Support

We don't disappear after you enroll. Claims, formulary changes, next year's Annual Enrollment — we're here.

Simple Process

How getting coverage works

From first call to enrollment — typically under 30 minutes if you're ready.

1

Share Your Needs

Tell us about your doctors, prescriptions, and budget by phone or online.

2

We Compare Options

Our agents pull plans available in your ZIP and filter by what matters to you.

3

Review Together

We walk through premiums, networks, and out-of-pocket costs in plain English.

4

Enroll Free

If you choose a plan, we handle the paperwork. No fee for our help, ever.

Client Stories

People we've helped

Real feedback from clients who found better coverage with less stress.

★★★★★

"I was overwhelmed by all the Medicare mail. Horizon walked me through Advantage vs. Supplement in one phone call. I saved $40 a month and kept my doctors."

MR
Margaret R.Medicare Advantage · Florida
★★★★★

"Needed ACA coverage after losing my job. They found a plan with a $0 premium after subsidies and explained the metal tiers clearly. Highly recommend."

JT
James T.ACA Marketplace · Texas
★★★★★

"My Part D plan was costing a fortune for my diabetes meds. Horizon switched me to a better formulary plan during AEP. Night and day difference."

SL
Susan L.Part D · Ohio
Common Questions

Frequently asked questions

Is this service really free?
Yes. We are compensated by the insurance carriers when you enroll in a plan — never by you. There is no cost for our consultations, comparisons, or enrollment help.
Are you affiliated with Medicare or the government?
No. Horizon Benefits Group is a private insurance agency. We are not connected with or endorsed by the U.S. government, the federal Medicare program, or any state Medicaid agency.
When can I enroll in Medicare or change plans?
Initial Enrollment Period is around your 65th birthday. Annual Enrollment Period (AEP) runs Oct 15 – Dec 7 for Medicare Advantage and Part D changes. Special Enrollment Periods may apply for certain life events. For ACA Marketplace plans, Open Enrollment is typically Nov 1 – Jan 15, with Special Enrollment Periods available year-round for qualifying events.
Do you only offer certain carriers?
We work with multiple major carriers (including Aetna, Humana, UnitedHealthcare, Cigna, Anthem, and others depending on your state). Availability varies by ZIP code. We'll only show plans that are actually offered in your area.
What information do I need to get a quote?
Typically just your ZIP code, age (or Medicare eligibility status), a list of current medications if relevant, and preferred doctors or hospitals. You don't need your Medicare number to start the conversation.

Ready to see your options?

Get a free, no-obligation comparison of Medicare or ACA plans available in your area. Most conversations wrap up in under 10 minutes.

Get Started Call (760) 273-5244
Get In Touch

Talk to a licensed agent today

No forms, no pressure. Call, email, or have us call you back — whichever is easiest.

Call Us

Speak with a licensed agent directly — no automated menus.

(760) 273-5244

Email Us

Send your questions and we'll reply within one business day.

info@healthinsurance.com
Hours: Monday–Friday 8am–8pm ET · Saturday 9am–5pm ET. Outside these hours, leave a message and a licensed agent will return your call the next business day.