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Dear Readers,

We are thrilled to share a guest post from our sister company, American Exchange, about navigating health insurance through Medicare or the Affordable Care Act. The author, Joanne Benteler, works for the company and provides contact info at conlusion of the post if you need assistance. 

Shopping for Medicare or Affordable Care Act (ACA) health insurance can be very confusing. There are just too many options to choose from. All four of my siblings are Medicare eligible, and they all talk about the amount of mail they get for insurance companies trying to sell them plans. Add in all the social media and television ads, and it makes their heads spin.

Most of my younger family members get insurance through their employer, but are astounded by the high costs, especially when adding their spouses and children. A few are gig workers who aren’t sure how to get health insurance now that they aren’t covered by their parents’ plans. 

One even said, “I’m young and healthy. I don’t need insurance right now. 

Everyone needs health insurance and it shouldn’t be as complicated as it is to get it. And it’s not enough to be covered—it is critical to get the right coverage for your healthcare and budgetary needs. 

Healthcare is not one size fits all. That’s why working with an independent health insurance broker is so important. Independent brokers can compare plans across different insurers. They will ask you questions about the doctors you see, pharmacies you visit, and medications you take so they can find the health plan that best covers all your needs. It’s important to review these options each year, as your family grows, your health needs change, and so do the plans offered in your area. Plan costs also change each year. 

American Exchange, a sister company of Directive Health, is an licensed, independent health insurance broker. Our experts listen to you, then find the best Medicare or ACA option for you. If you or someone you know needs help choosing a plan, call us at 1.888.995.1674 or visit There is no cost or obligation for us to assist you. And we are available year-round to answer your insurance-related questions. 

Here’s to a healthier and happier you!

Erin McDermott

Author Erin McDermott

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