Kilimanjaro Guide to Health Insurance

Find the right coverage for your situation

Navigating health insurance doesn't have to be overwhelming. We help you understand the three main pathways — government programs, Marketplace plans, and private insurance — with clarity and compassion.

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Government Health Programs

Medicare & Medicaid

These vital programs form the foundation of America's healthcare safety net. Medicare serves over 64 million Americans, while Medicaid provides essential coverage to more than 85 million individuals and families.

Medicare Basics

Federal health insurance for people 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease.

Medicaid Support

State and federal program providing health coverage to millions of Americans with limited income and resources.

Medicare Coverage Explained

Part A: Hospital Insurance

Covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care services.

Part B: Medical Insurance

Covers doctor visits, outpatient care, preventive services, medical supplies, and durable medical equipment.

Part C: Medicare Advantage

Alternative plans from private insurers that bundle Parts A, B, and often D with additional benefits.

Part D: Prescription Drug Coverage

Helps cover prescription medications, available standalone or included in Medicare Advantage.

Most people don't pay a premium for Part A if they or their spouse paid Medicare taxes while working. Part B requires a monthly premium that varies based on income.

The Affordable Care Act

Marketplace Insurance

The Health Insurance Marketplace lets individuals and families shop for, compare, and purchase plans. No one can be denied coverage or charged more due to pre-existing conditions.

Browse Plan Options

Compare Bronze, Silver, Gold, and Platinum plans based on coverage and premiums that fit your budget.

Check for Subsidies

Premium tax credits and cost-sharing reductions can significantly lower your monthly payments.

Enroll & Activate

Complete your application, select your plan, pay your first premium, and start using your coverage.

Bronze Plans

Lowest premiums, highest out-of-pocket costs. Covers ~60% of expenses. Ideal for healthy individuals wanting worst-case protection.

Silver Plans

Moderate premiums and costs. Covers ~70%. The most popular tier and the only one eligible for cost-sharing reductions.

Gold Plans

Higher premiums, lower out-of-pocket costs. Covers ~80%. Great for those who use medical services regularly.

Platinum Plans

Highest premiums, lowest out-of-pocket costs. Covers ~90%. Best for significant healthcare needs.

Flexibility & Choice

Private Insurance

Private plans — purchased directly or through employers — can offer broader provider networks, additional coverage like dental and vision, and faster access to specialists.

Medicare & Medicaid

Best for: seniors 65+, people with disabilities, low-income individuals and families. Key benefit: comprehensive coverage with minimal to no premiums for eligible individuals.

Marketplace Insurance

Best for: self-employed, unemployed, or those without employer coverage who may qualify for subsidies. Key benefit: income-based assistance and guaranteed coverage.

Private Insurance

Best for: those seeking customized coverage, broader networks, or employer-sponsored benefits. Key benefit: greater flexibility and larger provider networks.

A Different Approach

Impact Health Sharing

Health sharing ministries offer an alternative where members contribute to a common fund to share eligible medical expenses — a community-based model rooted in shared values.

Community-Driven

Members pool resources to share medical costs, fostering mutual support and shared values.

Potential for Savings

Often features lower monthly contributions compared to traditional insurance premiums.

Flexibility & Control

Typically offers greater freedom in choosing providers and managing medical decisions.

Note: Health sharing is not insurance and isn't subject to all ACA regulations. Pre-existing conditions may have waiting periods; always review terms carefully.

Shop Now for Impact Health Sharing

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