Lead marketers & TPMOs
$12–$96
more value to the buyer per plan-aligned lead, by format
Capture the lead first, align right after, and sell a lead buyers will pay more for.
For marketers
Plan alignment for Medicare and ACA
The right plan, before the first call.
We rank every plan available to a consumer by what that person is actually likely to spend, based on their own drugs, doctors and expected care. Consumers land in plans that fit. Everyone in the chain comes out ahead because they do.
Built for lead marketers, FMOs, agencies and consumer platforms. Plans are never weighted by carrier or by who pays.
Plan alignment result
Illustrative example
Consumer, age 67 · 4 medications · 2 preferred doctors · ranked across every plan in their county
1
Plan A · HMO
$1,180expected per year
2
Plan B · PPO
$1,640expected per year
3
Plan C · HMO
$2,310expected per year
Premiums + expected medical + drug costsDelivered in seconds
$691
a year less out of pocket in members’ best-fit plans
Milliman case study, 81,597 MA members
90%
of members would have spent less in their best-fit plan
Milliman case study, 2024
+16%
more member-years per enrollee when enrollment follows alignment
IHT retention model, base case
3.8M
Medicare Advantage members must choose new coverage for 2027
Modern Healthcare analysis of CMS data
- Claims-based actuarial model built with a national actuarial firm
- Founding member, Lead Quality Alliance
- Leadership behind the Insurance Marketing Coalition and Lead Market Forum
The problem
Medicare is paid at the sale. Its value is earned after it.
Most plan decisions happen late, inside a sales conversation, with little information about what each plan will actually cost this person. Consumers overpay, members leave, and everyone pays to replace them.
Plan alignment moves the plan decision to the start. We call it plan before agent: the consumer reaches the agent already knowing which plans fit and why. The agent still advises, enrolls and serves. The conversation just starts from the consumer’s own answer.
~40%
annual Medicare Advantage churn reported by one public broker, with lifetime values that rose and fell with itSEC filings and earnings calls
$145M
written down by another public broker in a single quarter, tied to members leaving earlySEC filings
−29 pts
drop in Medicare Advantage member satisfaction in 2025; only 38% of first-year members said their plan met expectationsJ.D. Power 2025 Medicare Advantage Study
How plan alignment works
One alignment, in seconds, before the conversation
The consumer shares what matters
Medications, preferred doctors and pharmacy, ZIP code and expected care, right after they raise a hand on your form, page or call.
Every plan is priced for them
Our actuarial model projects what someone like this consumer is likely to spend under every plan available, using full CMS plan data, and ranks plans by expected total out-of-pocket cost.
The answer travels with the lead
The consumer sees their best-fit plans, and the same ranked list goes to the agent or buyer, with a record of the CMS pre-enrollment checks on drugs, pharmacy, doctors and costs.
Who we serve
Built for the consumer. Valuable to everyone who serves them.
IHT doesn’t market or sell insurance, so we never compete with you for consumers. Plan alignment plugs into the way you already work.
FMOs, IMOs & MGAs
$2.7–4.8M
added value per 10,000 aligned enrollments across an FMO and its agents
Leads that close better, books that last, and a clear quality measure across your downline.
For FMOsAgencies & call centers
$236–$321
added value per aligned enrollment
Confirm instead of discover: about 30 minutes saved per sale and more renewals kept.
For agenciesConsumer & enrollment platforms
$691
a year in consumer savings, the reason people trust the answer
Give shoppers a real answer, not a list, for Medicare and ACA, including self-enrollment.
For platformsValues are estimates from The Value of Plan Alignment (Inspire Health Tech, October 2026), per aligned enrollment over the member’s expected stay. Consumer savings: Milliman case study, March 2024.
Our principles
On the consumer’s side, by design
Plan before agent
The consumer sees their own best-fit plans before the agent conversation, so the answer belongs to them. Plan alignment never replaces the agent; it gives the agent a better starting point.
Neutral by design
Plans are always ranked by the consumer’s own expected costs, never weighted by carrier, plan or who paid for the alignment. Any filters a distributor applies are its own, disclosed choices.
Documented fit
Every alignment leaves a record covering the checks CMS requires before enrollment: drug coverage, pharmacy and doctor networks, and cost preferences.
Solutions
Plan-fit for every market you serve
MediPro · Medicare
Plan alignment for Medicare Advantage and Part D, delivered by API into your forms, transfers, appointment flows and consumer sites. You control the experience; we supply the answer.
About MediProACAPro · ACA marketplace
Actuarially sound plan recommendations for ACA shoppers, built for agent-assisted and self-enrollment flows, so consumers who enroll on their own still land in the plan that fits.
About ACAPro“The MediPro platform is the best idea I’ve heard in the Medicare business in many years, and I’ve heard a lot. I don’t know why any Medicare agency would not want to use this tool.”
Free white paper
The Value of Plan Alignment
What fixing plan fit at the start is worth to consumers, lead marketers, agents, FMOs and carriers, built from published evidence and a transparent retention model.
- Why lifetime value moves with retention, not acquisition cost
- Value per aligned enrollment for each part of the chain
- How to measure plan alignment on your own book this AEP
See plan alignment on your own leads.
A 20-minute walkthrough, and a simple way to measure the results this AEP.