Independent Guidance for Medicare and Affordable Healthcare Alternatives

New England Plan Navigator helps individuals, families, and retirees compare Medicare, health sharing options, and other coverage—so you can lower costs without sacrificing peace of mind.

Serving New England • Independent Advisor • No-Cost Consultations

Medicare Guidance
Health Sharing Options
Retirement Protection
Client consultation

Your Navigator Through Medicare and Modern Healthcare Options

Clear, independent guidance to help you understand your choices and make confident decisions.

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Medicare Plan Guidance

Compare Medicare Advantage, Medigap, and Part D plans with an independent advisor who works for you—not one insurance company.

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Health Sharing (Impact Healthcare)

Explore non-insurance health sharing programs that can cut costs by 40–50% for many healthy individuals and families.

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Marketplace / ACA Plans

Independent help reviewing ACA options when health sharing or Medicare aren't the right fit.

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Protection & Income Planning

Life, disability, long-term care, and fixed annuities to help protect your income and savings.

Not sure what you need? That's exactly what the first call is for.

Health Sharing: An Alternative to Traditional Health Insurance

Traditional health insurance has become unaffordable for many people who don't qualify for subsidies. Health sharing programs, like Impact Healthcare, offer a different approach. They're not insurance, but for the right person they can provide major savings and more freedom of choice.

Key Benefits

  • Lower monthly cost: Many members pay 40–50% less than comparable unsubsidized ACA plans.
  • Use almost any doctor or hospital: Most health shares don't lock you into narrow networks.
  • Aligned with values: Many programs are community- or faith-based, with lifestyle guidelines.
  • Simpler and more transparent: Clear rules, self-pay discounts, and year-round enrollment.

Important Considerations

Health sharing isn't right for everyone, and it's legally not health insurance.

  • Pre-existing conditions may have waiting periods or limits.
  • There's no legal guarantee of payment the way there is with regulated insurance.
  • It often works best for people who are generally healthy and don't expect ongoing major medical treatment.

My role is to help you understand both the advantages and the risks so you can decide if it's right for you.

Insurance vs Health Share comparison

Confused by Medicare? You Don't Have to Figure It Out Alone.

Get clear answers to your questions before you choose a path.

Medicare rules, penalties, and plan options can be overwhelming. New England Plan Navigator helps you:

Understand the difference between Original Medicare, Medigap, and Medicare Advantage.

Compare plan costs and coverage based on your doctors, prescriptions, and travel.

Avoid common pitfalls like late-enrollment penalties or missing key deadlines.

Medicare maze

Additional Protection When It Makes Sense

Supporting your broader financial protection plan, when it clearly benefits you.

Life Insurance

Help your loved ones maintain financial security if something happens to you.

Disability Insurance

Protect a portion of your income if an illness or injury keeps you from working.

Long-Term Care Coverage

Plan ahead for potential extended care needs without exhausting your savings.

Fixed Annuities

Multi-year guaranteed interest options (generally 3–10 years) to protect part of your nest egg.

These are never pushed as products. They're only recommended when they clearly support your goals or save you money.

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Why New England Plan Navigator?

US Air Force Veteran | Independent Medicare & Insurance Navigator | Helping New England families navigate healthcare choices with confidence

As a US Air Force veteran with decades of experience in management and finance, I founded New England Plan Navigator after seeing how overwhelming and confusing healthcare and insurance decisions can be for so many people.

Now, as an independent advisor, I have access to far more options across multiple carriers—meaning I can compare plans side-by-side to find what truly fits your needs, budget, and lifestyle (no loyalty to just one company).

My mission is straightforward: to guide you with clear explanations, real numbers, and zero pressure so you can make decisions you feel great about.

Here's how I work differently:

Independent & More Options

I shop across carriers for you, not tied to any single company—so you get unbiased choices tailored just for you.

Education First

I explain everything in plain English (no jargon!) so you fully understand before deciding.

No-Pressure Consultations

Your peace of mind comes first. I'd rather walk away than recommend the wrong plan.

Whether you're turning 65, reviewing Medicare options, or just want a fresh look at your coverage, I'm here to help.

Ready to Talk Through Your Options?

Schedule a free 20-minute call to review your situation and explore your options.

Prefer Email or Phone?

Email: jon@newenglandplannavigator.com

Phone: (603) 520-6878