Elephruit

Turn Medicare and ACA insights into results.

Recent findings

Plan Crosswalk Deep Dive

3.2 million MA members have to pick a new plan for 2027.

5.3M

Plan going away

2.1M

Crosswalked

3.2M

Forced to shop

MA members in 2026 plans or counties not offered in 2027. CMS 2027 Plan Crosswalk, MA Landscape, CPSC (Sept 2026).

Read the analysis
In focus · AEP 2027 deep dive · Part 1 of 7New

One in five plans now has a medical deductible, double last year. Explore it state by state, carrier by carrier.

21.8%

of plans in scope have a deductible in 2027, from 11% in 2026

62.9%

of giveback MAPDs, from 30.1% in 2026

Read the deep dive
A continuing body of work11 studies

From the analysis desk.

11 analyses · Medicare & ACA

Coming soon

AEP 2027 · Part 2 of 7

Worldwide emergency coverage

Coming soon

Coming soon

AEP 2027 · Part 3 of 7

Drug deductibles

Coming soon

Coming soon

AEP 2027 · Part 4 of 7

OTC allowances

Coming soon

Coming soon

AEP 2027 · Part 5 of 7

Giveback plans

Coming soon

Coming soon

AEP 2027 · Part 6 of 7

Special needs plans

Coming soon

Coming soon

AEP 2027 · Part 7 of 7

The local story

Coming soon

Coming soon

Minnesota individual market

Minnesota ACA

Coming soon

About

I’m Mike Zehrer.

MBA · BSN

I’ve spent my career helping Medicaid, ACA and Medicare Advantage plans launch products, improve member outcomes, turn around struggling markets and grow.

Today I help health plans do all of that with data behind every decision.

Let’s talk about how I can help your team