How [affinity.] works

1. First: Medicaid or Marketplace?

Many people losing Medicaid actually still qualify for it — or qualify for a subsidized plan. So the home page asks your state, ZIP, age, and income. In states served by the federal Marketplace feed, it checks HealthCare.gov’s own estimate: you’ll see whether you may qualify for free Medicaid or for a Marketplace subsidy. In states with their own marketplace, it avoids a federal-data guess and sends you to the state’s official application instead.

2. Keep Medicaid through the rule changes

The Medicaid desk covers all 50 states and D.C. with the official application or renewal service, member phone number, and CMS change guide. It also explains the federal requirements scheduled for 2027 and keeps a closer watch on New York and Ohio. The state still makes the final decision.

3. If you’re Marketplace-bound: your real plans

On See your plans, add your doctors and medications. We pull your real plans from the official Marketplace and show, for each one, the net premium after your subsidy, the deductible and out-of-pocket max, and — the part HealthCare.gov makes hard — which plans actually keep your doctors in-network and cover your meds. Plans that keep all your doctors rise to the top.

4. Coverage you can trust — and what to confirm

Provider directories are documented to be 30–40% wrong, so we never present “in-network” as a guarantee. Coverage shown here comes from the Marketplace’s data; always confirm with the provider’s office before you enroll. This is decision support, not insurance advice — the final word belongs to your state Medicaid office and the official Marketplace.

5. Verify other coverage

The verification tools extend the same honest answer shape beyond Marketplace plans. Employer-plan doctor checks use issuer Transparency-in-Coverage network files. Medicare drug checks use the CMS Part D formulary index and include the reported tier, prior authorization, step therapy, and quantity-limit flags. Each tool is available only when its source index is loaded.

Honest limits

Plan rankings here lead with net premium and whether your doctors/meds are covered; a fuller expected annual-cost estimate (deductible + copays + drug tiers) is coming. Medicaid results are screening or navigation—not a state eligibility determination—and special categories such as pregnancy, disability, long-term care, and CHIP require the official state application. Employer verification is doctors-only, and the Medicare tool checks formulary coverage rather than comparing plan costs. Subsidy figures are estimates — confirm on the official Marketplace.