How [affinity.] works
A free, neutral tool for people choosing health coverage — especially those losing Medicaid. No commissions, no broker funnel, no ads. It works for you, not an insurer. Your answers aren’t stored.
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 just your ZIP, age, and income and checks HealthCare.gov’s own eligibility: you’ll see whether you likely qualify for free Medicaid or for a Marketplace subsidy, and what to do next. (At a Medicaid-eligible income, a Marketplace plan gives $0 subsidy — so this can save you from buying something you don’t need.)
2. 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.
3. 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.
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. Subsidy figures are estimates — confirm on the official Marketplace.