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Select the coverage you need, then enter your ZIP code. Medicare open enrollment ends December 7.

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ACA, under 652027 plans released November 1

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Your ZIP code, doctors, prescriptions, timing, household changes, and state can all affect which coverage questions to review first. Some Medicare Advantage plans are ending for 2027 -- see if yours is.

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Before you call, gather your location, doctors, prescriptions, current coverage, timing, and the reason you are reviewing coverage now.

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Why GetFastRates.com?

Review the real tradeoffs

Your monthly cost, deductible, doctors, prescriptions, timing, and family needs should be looked at together.

Phone-first help

Start with the details that matter, then talk through the next step by phone.

No rushed plan choice

You do not have to pick coverage from a plan name alone. Ask the right questions before you decide.

Start from your state

Your state and ZIP code help narrow what should be reviewed before the call.

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Fast answers before the phone review.

Start with the question you have now, then call when you are ready to compare the details.

What coverage can I compare by phone?

You can start a phone review for Medicare, individual health, life, and supplemental coverage. The call starts with your state, ZIP code, timing, and the coverage question that brought you here.

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What should I have ready before I call?

Have your ZIP code, county, current coverage, doctors, prescriptions, household changes, budget concerns, and renewal or enrollment timing ready if they apply.

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Can I use this if I am not sure what I need?

Yes. Start with the closest coverage category, or call and explain what changed. The review can begin with the problem first, then narrow the coverage type.

Read common call questions

Why do state and ZIP code matter?

Coverage availability, networks, enrollment rules, property rating details, and carrier options can vary by location. Your state and ZIP code help keep the call focused.

Find your state starting point

Review before you chooseCosts can change

Premiums, deductibles, prescriptions, networks, and timing matter.

Switching or staying put should still start with a review.

A plan can sound familiar while premiums, deductibles, networks, and drug costs change underneath. A quick review helps you know what to ask before you decide.

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Try a live coverage review.

A call goes faster when you already know what details to bring.

Start with ZIP, state, and county.

Bring doctors, prescriptions, and current coverage.

Finish by phone.

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Select the coverage review you need for this stage of life.

Individual and family health

ACA marketplace and family coverage questions
Subsidy, income, doctor, and deductible review
Help after job or household changes

Compare health coverage Learn what to ask

Medicare plans

Medicare Advantage, Supplement, and Part D questions
Doctor, drug, county, and timing review
Good for turning 65 or reviewing current coverage

Compare Medicare coverage Learn what to ask

Life insurance

Term life, final expense, and family protection
Amount, budget, and responsibility review
Useful after a new home, family, or business need

Compare life insurance Learn what to ask

Short-term health coverage

Bridge questions after job or coverage changes
Doctor, prescription, and budget review
Understand limits before relying on temporary coverage

Compare short-term coverage Learn what to ask

Prescription drug coverage

Bring doctor, hospital, and pharmacy names
Compare prescription concerns before switching
Avoid guessing from plan names alone

Compare prescription coverage Learn what to ask

Final expense coverage

Smaller life coverage and burial expense questions
Budget and beneficiary review
Helpful when family protection needs are unclear

Compare final expense coverage Learn what to ask

Supplemental coverage

Medicare Supplement, dental, vision, and gap questions
Hospital, accident, and out-of-pocket cost review
Useful when primary coverage leaves unanswered costs

Compare supplemental coverage Learn what to ask

Trust-ready process

Reasons to review coverage now.

If one of these sounds familiar, it may be time to compare your coverage questions by phone.

My plan name looks familiar, but my costs changed.

Review premiums, deductibles, prescriptions, and network details before assuming nothing changed.

I lost coverage or my household changed.

Talk through timing, household size, subsidy questions, and possible next steps before you choose.

I know I need life insurance, but not how much.

Talk through family, mortgage, income, final expense, and budget before picking a direction.

Get your personal coverage review by phone.

Check doctors

Have names ready so network questions can be reviewed.

Check prescriptions

Bring drug names, dosages, and pharmacy preferences.

Pick up where you left off

Keep these details handy and finish the review by phone.

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Find your coverage review match.

Pick a coverage type, enter a ZIP code, then call while the details are fresh.

ZIP codeStateCounty

Enter ZIP to fill state and county.

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Plan availability, networks, and pricing can depend on ZIP code, county, and state.

Compare coverage questions in 3 simple steps.

Match the review to the need.Choose the coverage type that matches the question.
Gather the details that matter.ZIP, county, doctors, prescriptions, current plan, and timing.
Finish by phone.A phone review can confirm availability, costs, and next steps.

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Questions people ask before they call.

Can I call even if I am not sure what type of coverage I need?

Yes. Start with the closest coverage card if you know it. If not, call and explain what changed so the review can start in the right place.

Why does ZIP code matter?

Coverage availability, county rules, networks, and costs can depend on ZIP code and state. Having it ready helps keep the call accurate.

Will this page enroll me automatically?

No. Use this as a starting point to prepare questions and begin a call. Any coverage decision should be confirmed by phone before you act.

Can all 50 states use the site?

Yes. Choose your state or enter your ZIP code to start. The call can confirm what coverage questions can be reviewed for your location.

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Is your Medicare Advantage plan ending for 2027?

Enter your ZIP, and your company, plan code or plan name if you have it, to check your plan against CMS's 2027 list where you live. If you are thinking about moving to Medigap, start with the guides below, or call for more information.

Or browse every state

Medicare Advantage plan ending? Moving to Medigap | Medigap or another Advantage plan? | Moving to Medigap, step by step | All Medicare plans ending

Every state gets a starting point.

Start with your state, then call to confirm how your ZIP code, county, and coverage question affect the review.

States we support now

43/50 states

State support coming soon

AlaskaAnchorage / Fairbanks / JuneauState support coming soon DelawareWilmington / Dover / NewarkState support coming soon KentuckyLouisville / Lexington / Bowling GreenState support coming soon MassachusettsBoston / Worcester / SpringfieldState support coming soon North DakotaFargo / Bismarck / Grand ForksState support coming soon Rhode IslandProvidence / Warwick / CranstonState support coming soon VermontBurlington / South Burlington / RutlandState support coming soon

Guides that turn confusion into a phone review.

Use these guides to understand the risk, gather the right details, and call while the question is fresh.

Medicare Plan Review ChecklistA simple checklist for reviewing doctors, prescriptions, premiums, networks, and out-of-pocket costs before choosing Medicare coverage.Turning 65 Medicare ChecklistA timing-focused checklist for people approaching 65 who need to organize Medicare sign-up, current coverage, prescriptions, and doctor questions.Medicare Advantage vs Medicare Supplement QuestionsQuestions to ask before comparing Medicare Advantage, Medicare Supplement, Part D, networks, referrals, travel, and out-of-pocket exposure.Medicare Part D Prescription Review ChecklistA checklist for reviewing Medicare prescription drug questions, pharmacies, formularies, deductibles, tiers, and medication changes.ACA Subsidy Review GuideA practical guide to the household, income, and coverage details that can affect ACA marketplace subsidy estimates.Health Insurance Open Enrollment ChecklistA checklist for reviewing Marketplace health insurance questions during open enrollment, including household, income, doctors, prescriptions, and costs.Special Enrollment Period Health Insurance ChecklistQuestions to organize after losing coverage, moving, household changes, marriage, birth, adoption, or other life events that may affect health insurance timing.Marketplace Health Plan Total Cost ReviewA plain-English way to compare health plan premium, deductible, copay, coinsurance, prescriptions, doctor access, and out-of-pocket exposure.Dental and Vision Coverage QuestionsQuestions to ask before reviewing dental and vision coverage, including current coverage, providers, waiting periods, benefits, and budget.Supplemental Coverage Gap ChecklistA simple way to identify dental, vision, hospital, accident, Medicare Supplement, and out-of-pocket cost questions before calling.Life Insurance Needs ReviewA plain-English way to think through term life, final expense, mortgage protection, and family protection needs.Term Life vs Final Expense QuestionsQuestions to ask before comparing term life, final expense, mortgage protection, family protection, and budget needs.Life Insurance Beneficiary Review ChecklistA checklist for reviewing life insurance beneficiary, owner, family, trust, divorce, marriage, child, and estate questions before making changes.Florida Medicare Review Before Annual EnrollmentA Florida-specific checklist for reviewing Medicare Advantage, Supplement, and Part D questions before the October 15 - December 7 Annual Enrollment Period.ACA Special Enrollment After Losing Employer CoverageWhat the federal 60-day Special Enrollment Period rule means if you lost job-based health coverage, and what to gather before you call.Medicare and ACA Enrollment Dates at a GlanceEvery current Medicare and ACA Marketplace enrollment window in one place -- Annual Enrollment, Medicare Advantage Open Enrollment, Initial Enrollment, and ACA Open Enrollment -- with what each one lets you change.Missed Open Enrollment? Your Real OptionsWhat actually happens if you missed ACA Open Enrollment -- Special Enrollment Periods, short-term plans and their real limits, and what to do while you wait for the next window.Health Insurance Options for the Self-EmployedHow self-employed and gig workers can buy ACA marketplace coverage, why estimating income carefully matters, and what to gather before you call.Retiring Before 65? Bridging the Gap to MedicareOptions for covering the gap between retiring and turning 65 and becoming Medicare-eligible -- COBRA, the ACA Marketplace, and what changes once Medicare starts.Medicare Late Enrollment Penalty Avoidance ChecklistA timing-focused checklist for confirming your Medicare Part B and Part D enrollment dates before a gap turns into a lifetime penalty.ACA State Individual Mandate Penalty ChecklistA quick checklist for residents of New Jersey, California, Rhode Island, Massachusetts, and DC to check whether their state's health insurance mandate penalty applies to them.Life Insurance Buying ChecklistA practical checklist for comparing life insurance coverage amount, policy type, exam requirements, and beneficiary details before you apply.Medicare Advantage Annual Notice of Change ChecklistA checklist for reviewing your Medicare Advantage or Part D plan's Annual Notice of Change letter each fall before it auto-renews for the new year.COBRA Election ChecklistA checklist for deciding whether to elect COBRA continuation coverage, comparing it against Marketplace options, and meeting the election deadline.Check Your Part D Formulary Before Enrolling ChecklistA checklist for confirming your prescriptions are actually covered, and at what cost, before enrolling in a Medicare Part D or Medicare Advantage drug plan.Long-Term Care Planning ChecklistA checklist for starting to think through long-term care costs, coverage gaps in Medicare, and options like long-term care insurance before a need becomes urgent.Health Insurance Claim Denial Appeal ChecklistA checklist for understanding why a health insurance claim was denied and the real steps involved in appealing it, whether internally or externally.What Is Medicare IRMAA? The Income-Related Premium Surcharge ExplainedIRMAA is an extra monthly charge added to Medicare Part B and Part D when your income is above set limits. Here is who pays it, how it is figured and where the money goes.Medicare IRMAA Income Brackets for 2026The 2026 IRMAA income limits for people who file single and for married couples filing jointly, based on 2024 income. Find where the extra Medicare charge starts.How to Lower or Appeal Your Medicare IRMAAIf your income dropped or Social Security used the wrong information, you may be able to lower IRMAA. Here are the life-changing events, Form SSA-44 and the deadline to know.IRMAA and Medicare Part D: The Extra Drug Plan ChargeHigher-income people owe an extra amount for Medicare drug coverage, paid to Medicare and not to the plan. Here is how it works, and what happens if it goes unpaid.Medicare Scams to Watch For: Calls, Texts, Mail and AdsThe most common Medicare scams, the red flags that show up every time, what real Medicare and real plans do, and where to report. Read this before you answer the next call.Food Cards, Grocery Cards and 'Free Money' Medicare Ads: What Is Real and What Is BaitSome Medicare Advantage plans do include an allowance for groceries or over-the-counter items, but most TV ads and calls about 'free food cards' and 'thousands in free money' are bait. Here is how to tell.Someone Called to Sell You Medicare? What the Rules Say and What to DoMedicare plans and agents are generally not allowed to cold call you. Here is what they can and cannot do, how fake and robocalls work, and what to say and do when the phone rings.Medicare Card Scams: New Cards, 'Verify Your Number' Calls and FeesMedicare never charges for your card and never calls to confirm your number to keep your coverage. Here is how the new-card and verify-your-number scams work and how to protect your Medicare number.Free Braces, Genetic Tests and Medical Supplies: Medicare Scams to AvoidUnsolicited free tests, braces and supplies are a common way to steal Medicare numbers. Here is how they work, what the Senior Medicare Patrol warns about, and what to do if you got something you did not order.How to Tell a Real Medicare Plan Ad From a Misleading OneTV ads, mailers and online ads about Medicare are often written to get your phone call, not to help you choose. Here is what a proper ad must do, the words that should make you stop, and how to check who you are talking to.I Gave My Medicare Number to a Scammer: What to Do NowIf you shared your Medicare number, Social Security number or bank details with someone you should not have, here is what to do in the first hour, the first week, and over the next months.Medicare Open Enrollment Scams and Pressure Tactics: What Is Real and What Is NotMedicare open enrollment runs October 15 to December 7, and that is when scam calls and look-alike mailers peak. Here are the real dates, the pressure lines to ignore and how to compare plans safely.How Medicare and Medicaid Work Together: Who Pays What, and in What OrderMedicare and Medicaid are two different programs, and many people have both. Here is how they really fit together: who pays first, what each one covers, and what you still have to do.Medicare Savings Programs Explained: QMB, SLMB, QI and QDWIMedicare Savings Programs are run by your state and can pay your Medicare premiums and sometimes your deductibles and copayments. Here is what each program does and how to apply.Dual-Eligible Special Needs Plans (D-SNPs) Explained: Plans for People With Medicare and MedicaidD-SNPs, Medicare-Medicaid Plans and PACE are plans built for people who have both Medicare and Medicaid. Here is what they do, what to check before joining and what to watch for.What Medicaid Covers That Medicare Does Not: Nursing Home and Personal CareMedicare does not pay for long-term custodial care. Medicaid can, if you qualify under your state's rules. Here is the realistic difference, what 'spend down' and the look-back mean, and where to get help.Do I Qualify for Extra Medicare Benefits? The Programs That Can Really Lower Your CostsExtra Help, Medicare Savings Programs, Medicaid, special plans and the extras some Medicare Advantage plans include: who each is for, who decides, and where to ask. Start with the ones that do not depend on a commercial.Extra Help With Medicare Drug Costs: Who Gets It and How to ApplyExtra Help lowers what people with limited income and resources pay for their Medicare drug plan. Here is who gets it automatically, who has to apply, and what it does not do.Medicare Advantage Extra Benefits: Dental, Vision, Hearing, Food and Over-the-Counter AllowancesSome Medicare Advantage plans include extras, but what you get depends on the plan, the county and sometimes your health. Here is what they usually look like in practice and what to ask before you join.Medicare Part B 'Giveback': Can a Plan Really Reduce Your Part B Premium?Some Medicare Advantage plans offer a Part B premium reduction that shows up as a smaller amount taken from your Social Security check. Here is how it works, who gets it, and what the ads leave out.Why So Many Medicare Commercials Are Misleading: What the Ad Says and What the Fine Print SaysMedicare commercials are written to make you call, not to tell you what you will get. Here are the common tricks, what Medicare's own marketing rules say, and what to ask before you believe any of it.'Free Money' for Seniors: Grants, Rebates and Stimulus Claims That Are ScamsCalls, texts and ads promising thousands of dollars in free government money are almost always scams. Here are the real programs, the fake ones, and how to tell the difference.Medicare Advantage Plan Ending This Year? Moving to MedigapIf your Medicare Advantage plan is ending, you may have a right to buy a Medigap policy without health questions. What that right is, how long it lasts, and what to do first.Medigap or Another Medicare Advantage Plan When Yours Ends? How to ChooseYour plan is ending and you have two main paths: another Medicare Advantage plan, or Original Medicare with Medigap and a drug plan. What changes with each, and the questions that decide it.Moving From Medicare Advantage to Medigap: Step by StepThe order to do things in when you leave Medicare Advantage for Original Medicare and Medigap: the letter, the dates, the Medigap application, the drug plan and the cancellation.

Learn the terms, myths, numbers, and next steps.

These local resource hubs give you a cleaner starting point before you call or request help.

Insurance EncyclopediaPlain-English definitions for common coverage terms.Myth LibraryCareful answers to common insurance assumptions.CalculatorsEducational tools for subsidy, Medicare, and life coverage questions.Decision ToolsSimple prompts that point you toward relevant topics.State GuidesState-specific notes for ACA, Medicare, and timing.Agent Resource CenterCompliant education links and sharing prompts.

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Information on this site is educational and does not guarantee eligibility, enrollment, pricing, or availability. It is not a recommendation to buy any specific plan or policy.