Plan alignment for Medicare and ACA

“Which plan is right for me?”
Be the one who tells them.

Every plan, ranked by what each consumer will actually spend.

Plan alignment resultIllustrative example
Consumer, age 67 · 4 medications · 2 preferred doctors · ranked across every plan in their county
1
Plan A · HMO
All 4 drugs coveredBoth doctors in network
$1,180expected per year
2
Plan B · PPO
All 4 drugs coveredBoth doctors in network
$1,640expected per year
3
Plan C · HMO
3 of 4 drugs covered1 doctor out of network
$2,310expected per year
Premiums + expected medical + drug costsDelivered in seconds
I’m a…

Sell a lead buyers will pay more for, without rebuilding your funnel.

  • No lost leads. Capture first, align right after, so alignment never gates your form.
  • No redesign. One simple API call fits the flow you’ve already tuned.
  • Real margin. Buyers gain $236–$321 per aligned enrollment, so every aligned lead is worth more to them.
See what aligned leads are worth More for lead marketers
$12–$96more value to the buyer per plan-aligned lead, by formatFrom The Value of Plan Alignment, Inspire Health Tech, 2026
$691a year less out of pocket in members’ best-fit plansMilliman case study, 81,597 MA members
90%of members would have spent less in their best-fit planMilliman case study, 2024
+16%more member-years per enrollee when enrollment follows alignmentThe Value of Plan Alignment
3.8MMedicare Advantage members must choose new coverage for 2027Modern Healthcare analysis of CMS data
  • Claims-based actuarial model built with a national actuarial firm
  • Founding member, Lead Quality Alliance
  • Leadership behind the Insurance Marketing Coalition and Lead Market Forum
Why now

Consumers are done guessing.

Shoppers increasingly expect a personal answer, and technology now makes one possible in seconds.

Give consumers their own answer first, and you earn their trust and keep the business. The agent still advises and enrolls; the conversation just starts from the consumer’s answer.

See what better fit is worth

~40%

annual Medicare Advantage churn reported by one public broker, with lifetime values that rose and fell with itSEC filings and earnings calls

$145M

written down by another public broker in a single quarter, tied to members leaving earlySEC filings

−29 pts

drop in Medicare Advantage member satisfaction in 2025; only 38% of first-year members said their plan met expectationsJ.D. Power 2025 Medicare Advantage Study

How plan alignment works

One alignment, in seconds, before the conversation

Their own answer

Plans ranked by expected total out-of-pocket cost: premiums, medical and drugs, with each plan’s drug coverage and doctor networks checked.

Every plan, every time

Full CMS plan data for the consumer’s county, priced in seconds, never weighted by carrier or by who pays.

A record of fit

Every alignment documents the CMS pre-enrollment checks: drug coverage, pharmacy and doctor networks, and cost preferences.

How plan alignment works

Confidential by design

One answer. Many ways to put it to work.

One simple API, used each customer’s own way.

Right after the lead form

The consumer sees their best-fit plans, and the answer is attached to the lead.

Before the transfer or appointment

The agent or buyer receives the consumer’s ranked plans before saying hello.

Inside a shopping site

Shoppers get a personal answer instead of a plan list sorted by premium.

In the agent’s workflow

When the consumer calls first, agent and consumer align together, limited to appointed carriers.

Through an AI voice agent

Alignment by conversation, now in use by select partners.

Inside an enrollment platform

Medicare and ACA shoppers who enroll on their own still land in the plan that fits.

Every customer uses plan alignment differently, and confidentially. You probably already have a use in mind.

Talk to us
Our principles

On the consumer’s side, by design

Plan before agent

The consumer sees their own best-fit plans before the agent conversation, so the answer belongs to them. Plan alignment never replaces the agent; it gives the agent a better starting point.

Neutral by design

Plans are always ranked by the consumer’s own expected costs, never weighted by carrier, plan or who paid for the alignment. Any filters a distributor applies are its own, disclosed choices.

Documented fit

Every alignment leaves a record covering the checks CMS requires before enrollment: drug coverage, pharmacy and doctor networks, and cost preferences.

Trust & compliance

Solutions

Medicare and ACA, one simple API

MediPro · Medicare

Plan alignment for Medicare Advantage and Part D, delivered by API into your forms, transfers, appointment flows and consumer sites. You control the experience; we supply the answer.

About MediPro

ACAPro · ACA marketplace

The same approach for ACA shoppers, for agent-assisted and self-enrollment flows.

About ACAPro
“The MediPro platform is the best idea I’ve heard in the Medicare business in many years, and I’ve heard a lot. I don’t know why any Medicare agency would not want to use this tool.”
Dan M., Head of Sales, large MGA
Free white paper

The Value of Plan Alignment

What fixing plan fit at the start is worth to consumers, lead marketers, agents, FMOs and carriers, built from published evidence and a transparent retention model.

  • Why lifetime value moves with retention, not acquisition cost
  • Value per aligned enrollment for each part of the chain
  • How to test plan alignment in your own environment

Get the white paper

We’ll take you straight to the download.

We’ll only use your details to send the paper and occasional IHT updates. See our privacy policy.

The opportunity is in how you put it to work.

Tell us how your consumers reach you. We’ll show you where plan alignment fits.

Talk to us