How to Compare Health Insurance Plans Online Without Calling an Agent

We understand that many people prefer to compare plans online without scheduling calls or waiting on hold. At Fortura Insurance Agency, we designed a simple self-service process so you can explore your options quickly and confidently. Here’s how to compare plans online—and still get help if you need it.

1. Start with Basic Filters

Enter your state, household size, and income estimate.

Filter plans by metal tier, deductible range, and provider network.

2. Understand the Metal Tiers

Bronze: Lowest premiums, higher costs when you use services.

Silver: Balanced; includes cost-sharing reductions if eligible.

Gold/Platinum: Higher premiums, lower out-of-pocket costs.

Choose a tier based on how often you expect to use medical services.

3. Compare Estimated Annual Costs

Don’t rely only on the premium.

Estimate your yearly total cost: monthly premiums + deductible + copays.

Use our tool to view total cost estimates side-by-side.

4. Check Network and Prescription Coverage

Make sure your preferred doctors and hospitals are included.

Search drug lists to confirm coverage for your prescriptions.

5. Review the Out-of-Pocket Maximum

This is the most you’d pay in a year for covered services (excluding premiums).

Lower out-of-pocket maximums offer more protection.

6. Apply Online

Once you select a plan, complete your Marketplace application online.

The system will automatically calculate your subsidy eligibility.

Want to compare plans without any calls? Get started with our online self-service tool.