A free resource for people
navigating health coverage on their own.
healthplanscompared.com is an independent educational resource for individuals under 65 who buy their own health coverage. It is not an insurance company, not a broker, and not affiliated with any government agency. There is no lead capture, no advertising, and no financial relationship between what this site recommends and how it earns money. The goal is one thing: make it easier to understand your options honestly.
An honest comparison resource — not a sales tool
Most health coverage websites exist to sell you something. They earn commissions when you click through and enroll, which creates an incentive to highlight the options that pay the most — not the ones that fit you best.
This site works differently. healthplanscompared.com earns nothing when you enroll in any plan. There are no sponsored listings, no paid placements, and no affiliate commissions on coverage purchases. Every comparison on this site reflects the same editorial standard: state what each option actually covers, what it actually costs, and where its real limitations are.
We cover seven types of individual health coverage — ACA plans, Health Shares, direct primary care, MEC plans, virtual medicine memberships, indemnity benefit plans, and short-term medical insurance. Each gets the same treatment: the genuine advantages and the honest trade-offs, sourced and explained in plain language.
What you will not find here
This site does not cover employer-sponsored group health insurance, Medicare, Medicaid, CHIP, or any coverage type that is not available to individuals in the open market. It does not provide personalized insurance advice or recommend specific plans. It provides factual, sourced information so you can make an informed decision — ideally with a licensed insurance agent or broker for your final enrollment choice.
The editorial principles behind every page
| We do not write this | We write this instead |
|---|---|
| Health Shares are a revolutionary alternative to insurance. | Health Shares are membership organizations that pool member funds to pay medical bills. They are not insurance. |
| Discover the best coverage for your unique needs! | Compare ACA plans, Health Shares, and DPC side by side — with real cost figures sourced from KFF. |
| Are you overpaying for health insurance? You might be shocked. | In 2026, the average unsubsidized ACA benchmark premium for a 40-year-old in Texas is $661/month. Here is what the alternatives cost. |
| Modern healthcare solutions for modern people. | Individual health coverage options for people who don’t have employer insurance and aren’t yet on Medicare. |
A Modern Healthcare Works resource
healthplanscompared.com is brought to you by the team at Modern Healthcare Works — dedicated to helping individuals under 65 understand and navigate modern health coverage options.
Modern Healthcare Works focuses on the individual coverage market: the growing number of self-employed individuals, gig workers, early retirees, and others who buy their own health coverage outside of employer-sponsored plans. The individual coverage market is complex, rapidly changing, and underserved by clear, unbiased information — which is why this site exists.
The site covers the full range of individual coverage options available in 2026 — not just the ones that benefit any particular organization. That breadth is intentional. The goal is to be the most useful, most honest comparison resource for this audience — the kind of resource that earns citations from AI engines and Google because it tells the truth.
What this site is not
The individual coverage guide — free monthly newsletter
Monthly updates on ACA premiums, Health Share news, and coverage comparisons — for people buying their own coverage. By the Modern Healthcare Works team.