Our Plan Finder is designed to help you discover and compare all options for health insurance in your area. The decision on which plan is best for you is ultimately up to you and what is best for you and your family. There is no one best plan or insurance provider, but we're here to provide as much information as possible so that you can make an informed decision!
After you provide us with some details on you and your household, we'll show you all of the plans available in your area. There can be a lot, so we know it's a little overwhelming!
How do I narrow it down?
You can search for your doctors and prescriptions, so you can see which carriers your doctor accepts, and how much your medications cost on each plan.
You'll also be able to filter out the many options based on insurance carriers, doctor networks (PPO, EPO, HMO), and the ease of enrollment. On your summary results page, you'll see all of that information on each plan, including our enrollment tags:
Easy Enroll: Plans with this tag will have an easy, fast enrollment! This means that you can complete the enrollment directly on the Take Command Health site, and we will even set up your recurring claim for you automatically. Take Command Health can provide additional support to you if anything comes up on your plan. We can work with the carriers on your behalf!
Self Enroll: For these plans, you'll need to enroll on your own, either directly with the carrier or with your state exchange. We will still help you narrow down which plan is best and then guide you on where to go from there. If an issue comes up with your plan, you'd need to call the carrier directly. We can always help provide guidance on how to do that, though
Pay Later: Plans with this tag are also Easy Enroll in. For these plans, you'll receive a bill at some point after enrollment.
We're here to help!
We know, it can be overwhelming to shop for health insurance. That's why we have an Enrollment Team at Take Command Health that is dedicated to helping you think through your options, answer your questions, and help you make the best choice for YOU! You can schedule a time to talk to one of our personal plan navigators here.
Tips for choosing the right plan
Understanding plan types: HMO, PPO, EPO
If you are unsure which plan type to choose, here is a quick guide:
HMO (Health Maintenance Organization): lower premiums, but requires a primary care physician referral for specialists and coverage is limited to in-network providers.
PPO (Preferred Provider Organization): more flexible — you can see any provider, in or out of network, without a referral. Premiums are typically higher.
EPO (Exclusive Provider Organization): no referrals needed, but coverage is limited to in-network providers (like an HMO without the referral requirement).
If keeping your current doctors is a priority, PPO or EPO plans that include those providers in-network are typically the safest choice.
How to evaluate a plan if you are generally healthy with few medical expenses
If you expect minimal medical needs (no ongoing conditions, few prescription medications, infrequent doctor visits), a high-deductible health plan (HDHP) often has the lowest monthly premium. Key tradeoffs:
Lower monthly cost, but you pay more out-of-pocket if you have a medical event.
HDHPs are often paired with HSA eligibility — though HRA participants cannot also contribute to an HSA.
Preventive care (annual checkups, vaccines) is typically covered at no cost on ACA plans regardless of deductible.
How to use your HRA allowance when comparing plans
Your monthly HRA allowance offsets your premium. To find your effective monthly cost:
Effective cost = Monthly premium − Monthly HRA allowance
Example: if the plan premium is $450/month and your monthly allowance is $300, your out-of-pocket monthly cost is $150. Include this calculation when comparing plans — a higher-premium plan may have better coverage that saves money on medical costs during the year.
What to do if your enrollment deadline is approaching
If you are within 60 days of a qualifying life event or approaching the end of an open enrollment window, act as quickly as possible. Enrollment deadlines are hard — missing the window means waiting for the next open enrollment period or another qualifying life event.
Contact the Enrollment Team with urgency if you need help making a time-sensitive decision. If you prefer to self-enroll on the marketplace, visit Healthcare.gov or your state's marketplace directly.