Get free, personalized Medicare plan comparisons or Individual/ACA health plan comparisons from top carriers. Compare what matters — with a licensed local agent by your side.
At Merchant Insurance Solutions, our mission is to provide tailored insurance solutions for every individual, regardless of age — because everyone deserves access to quality health and life insurance that meets their unique financial needs.
We compare Medicare Advantage, Medicare Supplement, and ACA marketplace plans from top national carriers so you can see your real options side by side, at no cost to you.
Turning 65, losing employer coverage, or new to Medicare? We walk you through eligibility, timing, and how to actually apply — step by step.
Our relationship doesn't end at enrollment. We're here for questions, plan changes, and renewals in the years ahead.
Not sure whether Advantage or Supplement fits your needs and budget? We'll walk through the differences and match you with the right carrier.
Learn More →Under 65 or not yet Medicare-eligible? We help you compare Individual Health plans on the ACA marketplace from top carriers.
Compare ACA Plans →A captive agent can only sell you one company's plans. As an independent broker, we work for you — not one insurance company.
See how key Medicare costs compare between 2026 and the projected/announced 2027 figures.
| Medicare Cost | 2026 Actual | 2027 Projected / Announced | Change |
|---|---|---|---|
| Part A Premium – 40+ quarters | $0 | $0 | — |
| Part A Hospital Deductible | $1,736 | $1,788 projected | +$52 |
| Hospital Days 1–60 | $0 after deductible | $0 after deductible | — |
| Hospital Days 61–90 | $434/day | $447/day projected | +$13 |
| Lifetime Reserve Days | $868/day | $894/day projected | +$26 |
| SNF Days 1–20 | $0 | $0 | — |
| SNF Days 21–100 | $217/day | $223.50/day projected | +$6.50 |
| Part B Standard Premium | $202.90/mo. | $209.50/mo. projected | +$6.60/mo. |
| Part B Annual Deductible | $283 | $292 projected | +$9 |
| Part B Coinsurance | generally 20% | generally 20% | — |
| Part D Standard Deductible | $615 | $700 official | +$85 |
| Part D Annual OOP Cap | $2,100 | $2,400 official | +$300 |
| Part D Base Beneficiary Premium* | $38.99 | $41.33 official | +$2.34 |
The 2026 actual A/B amounts come directly from CMS. The Medicare Trustees currently project the standard Part B premium at $209.50/month for 2027, versus $202.90 in 2026. CMS has already finalized the 2027 standard Part D deductible at $700 and the Part D out-of-pocket threshold at $2,400, compared with $615 and $2,100 in 2026.
*The $41.33 Part D base beneficiary premium is not what every beneficiary will actually pay for a Part D plan. It is a statutory calculation used to determine plan-specific premiums. CMS says actual 2027 MA and Part D plan premiums will be released with the final landscape in September.
We're appointed with 27+ carriers, so plan comparisons are based on real options — not a single company's product line.
Real feedback from people we've helped find the right coverage.
"Heidi is an amazing representative. She is so helpful, kind, knowledgeable & will get the job done. So friendly. I'm thankful she is my health insurance representative. Love her!"
114 North Ohio Street, Ste. 201
Celina, TX, USA
(469) 447-5055 · Heidi@MIS.LLC
Hours: By Appointment
205 West Lamberth Road, Suite 700
Sherman, TX, USA
(469) 447-5055 · Heidi@MIS.LLC
Hours: By Appointment
