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Health Insurance Information

Health Insurance Information

You’re at the right place to get the health insurance information you need. When it comes to something as important as insurance, it’s imperative that you work with an agency that has an in-depth knowledge of multiple insurance products, companies, and guidelines. 

We can help!

We make the insurance process easy for you!

As an independent insurance group, we can provide you with a range of options from many carriers to help you find the best fit and budget.

Health Insurance Information

Are you an individual or family who does not currently have insurance through a group employer plan, our agency can walk you through your individual health plan options. Do you own a business and would like to compare your options for group coverage, we can help you with that also.


If you are approaching Medicare eligibility and are confused about Medicare and what your options are, we can make the process easy. We have extensive experience with Medicare. Whether you are leaving a group employer plan, or a spouse’s plan, or maybe you’re aging into Medicare at the age of 65, we can help.

Life Insurance

Life insurance is great for those who are looking to provide financial security for themselves and their loved ones, but with various policies to choose from, it can be hard to figure out which policy is best. At My Healthcare Direct, we will walk you through all your options, including term life, whole, and final expense.

Disability Insurance

Disability insurance is a great policy to fall back on if you were to miss months or even years of work due to an illness or injury. We are here to help you find a short-term or long-term policy that can benefit you, and provide protection for your future.

All The Health Insurance Information You Need In One Place

Medicare Costs for 2024 Video Transcript >

Medicare Changes for 2024

CMS just released the new 2024 premiums, deductibles and coinsurance for Medicare part A & B so today I'm going to go over all that information with you so stay tuned.

Hi, I’m Jessica Manion with My Healthcare Direct. I am licensed Medicare insurance broker and we help clients all over the country go over their Medicare options.

CMS has now released the new part A & B premiums so let’s start going over the numbers.

So let’s start with Part A. As a reminder, part A is your hospitalization coverage. For 2024, the inpatient deductible is going from $1,600 in 2023 to $1,632 in 2024 which is an increase of $32.

The daily co-insurance for days 61-90 are going up from $400 in 2023 to $408 per day in 2024 and for lifetime reserve days the coinsurance is increasing from $800 to $816.

The skilled nursing facility coinsurance will also be increasing next
year from $200 in 2023 to $204 a day in 2024.

For those of you who do not have enough work credits to earn part A at no additional costs, if you have between 30-39 quarters of coverage,  our part A monthly premium will be $278 per month which is the same or 2023. Those of you who have less than 30 quarters of coverage, our premium will decrease to $505 per month in 2024, a $1 decrease from 2023.

Moving on to part B which of course is your medical insurance. While last year we had a part B premium and deductible decrease, this year we are not as lucky and  the rates, just like everything else have gone up for 2024.

In 2024 the part B premium will go from $164.90 in 2023 to $174.70
which is an increase of $9.80 per month.

The part B deductible will also be increasing from $226 in 2023 to $240 in 2024 which is an increase of $14 for the year.

For those of you on the higher income earning side you may be familiar with the term IRMAA. This stands for Income Related Monthly Adjustment Amount.  These individuals will pay a higher part B premium as well as an income related adjustment in addition to their part D premium as well. Whether you are single or married, file your taxes jointly or separately, these premium amounts are reflected from your modified adjusted gross income from 2 years prior so for 2024, they will be looking at your 2022 tax return.

The part B IRMAA amounts are as follows:

For those who are single or married and file separately and earn less than $103,000 or married, file jointly and earn less than $206,000 you will continue to pay the standard part B premium. If you fall into any of the other categories, your  adjusted part B premium as well as your part D IRMAA premium are shown here.

If you have any questions about your 2024 Medicare costs and how all these premiums and deductibles can apply to you, feel free to reach out to our office at 888-959-1028 or you can send us an email at and we would be happy to answer your questions.

Medicare Changes for 2024
SOME INDIVIDUALS MAY QUALIFY FOR THE PART D EXTRA HELP PROGRAM. Contact us today to get all of the updated the health insurance information for 2024.
Linda CProfessionalism, Quality, Responsiveness, Value
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Jessica took care of all three family members with incredible knowledge, patience and professionalism. She answered all our questions, was a skilled representative that we would highly recommend to anyone looking for assistance in the insanely complicated Medicare insurance coverage world. Such a relief to have been lucky enough to have her guide us through the maze.
James HabelProfessionalism, Responsiveness
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Jessica Mannion was absolutely wonderful to work with while navigating the maze of medicare advantage plans. She is patient, knowledgeable, and always called or followed-through with information as promised. Jessica certainly made me feel as if she had my best interest at heart. I would highly recommend her for anyone that is seeking information and help in obtaining medicare health coverage. The amount of time she spent with me and her attention to detail was very impressive. In short, she made a daunting task easy, comfortable and very pleasant.
Sheila FrodymaProfessionalism, Quality, Responsiveness, Value
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I have worked with Healthcare Direct for approximately 4 years now and am very pleased with their knowledge, helpfulness and assistance, even outside of the Medicare open enrollment period. They review new plans with you to see if they might work. They listen to questions, and make wonderful suggestions. The Medicare Advantage, Dental and Visions plans I chose after great discussions, have worked well for me. I will continue my relationship with Healthcare Direct and would highly recommend them!
Trinette MossProfessionalism, Quality, Responsiveness, Value
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Great way to get needed coverage for expensive health events. Really explains the dozens of options well so you can make an informed choice

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