Plan Fit is in active beta, and your feedback shapes it!
If you run into an issue or have a suggestion, reach out through your usual support channel and be sure to mention Plan Fit.
Introduction
Plan Fit brings Medicare Advantage plan quoting and comparison directly into Spark as a part of an integrated, streamlined workflow. You gather a contact's needs on the Contact Details page, select Find plans, and land on a short-list of plans that fit that contact (with the cost-vs-risk trade-offs made explicit) without leaving the record or toggling between Sunfire or carrier portals. When you're ready, Enroll hands off directly to the Sunfire enrollment application with the contact's context carried through.
It's built for the reality of plan selection today: more members forced to switch plans, rising carrier pressure on quality (retention, complaints, disenrollment), and dozens of plans to weigh live on a call. Plan Fit narrows that field to a handful of defensible options and keeps quoting through enrollment in one place, so you spend less time switching screens and more time advising.
Plan Fit is a decision-support tool, not a recommendation engine. It surfaces the plans that fit a given client's stated needs and makes the trade-offs explicit, the recommendation is still yours.
Opting into the Beta program
Plan Fit is launching in beta, and it's opt-in per agent.
To turn it on: go to Settings → Beta features → enable Plan Fit.
A few things to know about access:
Any agent with access to the Quote & Enroll features will see Plan Fit after opting in.
Access is granted at the individual agent level. The Agency view does not have the feature.
Plan Fit is available in both the Agent view and the LOA view.
You can opt back out at any time from the same Beta features settings, and you'll always retain your existing path to Sunfire.
Before you start quoting
Before you can generate plans for a contact, make sure the following are in place:
You've opted into the beta and have Quote & Enroll access.
The contact has a saved ZIP code as a part of their home address on their record. A ZIP is required for Plan Fit and Sunfire to launch, without it you'll see an error explaining this.
The contact's healthcare details are filled in. Plan Fit is only as accurate as its inputs, so for the best short list add the contact's:
providers
prescriptions
pharmacy
specialist visit frequency
LIS level
Medicaid/dual status
any chronic conditions before selecting Find plans.
Reviewing the short list from the Contact Details page
Plan Fit lives directly on the Contact Details page so there's no separate tool to open.
Edit contact details alongside the short list
The Healthcare sections may be edited directly from the details page. Providers, Prescriptions, Pharmacy, and Medicare details each open a quick-edit modal that saves in place, so you can refine a single input without leaving the page or navigating through the complete edit workflow.
Find plans
Select Find plans to generate Medicare Advantage recommendations for the contact. Results render inline on the Contact Details page as badged plan cards.
Watch the short list respond to context
The short list of plans presented is a function of the contact details. Change any of the inputs below and the short list can re-rank:
Prescriptions + pharmacy — drive the plan-level drug-cost estimate.
Providers — the in-network requirement filters which plans qualify.
Specialist visit frequency — feeds the expected-cost estimate (see Specialist Usage section below).
LIS (Low-Income Subsidy) — automatically factored into the quote; the subsidy lowers the effective premium and drug cost, so a subsidized premium can correctly display as $0.
Medicaid / dual eligibility and chronic conditions — these determine whether D-SNP and C-SNP plans are included by default in the comparison. When the contact isn't flagged as dual-eligible or doesn't have a qualifying chronic condition, SNP plans aren't shown by default but remain reachable through the filters.
Inline comparison to the current plan
When the contact's current plan is known, recommended plan cards show how each option compares against it — for example, a premium that's $50 lower than the current plan.
A cost is only highlighted where the recommended plan actually beats the current plan.
If the current plan isn't known, the comparison isn't shown.
The current plan must exist in Sunfire for Plan Fit to surface and present it.
How specialist usage shapes cost
Within the providers section of the contact, one specialist-usage question is asked to estimate how often the member sees specialists, because specialist copays are the highest-variance driver of predictable cost. The answer maps to an assumed number of visits per year:
You select | Interpreted as | Visits assumed |
Rarely | 0–2 visits/yr | 1 |
Occasionally (≈ typical) | 3–6 visits/yr | 5 |
Frequently | 7–12 visits/yr | 9 |
Very frequently | 13+ visits/yr | 15 |
If the question is skipped or unknown, Plan Fit defaults to Occasionally (5 visits), which is the national mean, so an unanswered contact isn't biased toward low-premium, high-copay plans. This figure is an estimate used to model cost only; it does not affect the plan's premium. (PCP visits use a fixed assumption of 3/year for the cost calculation.)
Comparing plans
The comparison view defaults to your short list
When you select 'View plan details' to open plan comparison, you start on the focused short list of plans. However, you can toggle between Recommended and All plans to pull up to 3 plans into a head-to-head compare view.
What each short-list badge means
Badges come from ranking every qualifying plan on two axes:
Expected cost — roughly what the contact can predict they'll spend in a year: annual premium + estimated drug costs − any Part B giveback + routine visit copays (their specialist visits, based on the usage question, plus a fixed assumption of 3 PCP visits).
Risk (protection) — the in-network maximum out-of-pocket (MOOP), which caps the worst-case exposure you can't forecast, like a hospital stay or an ER trip.
Plan Fit presents the plans that lead on one or both axes (lowest cost, lowest risk, or the best balance of the two) and badges each with where it stands out. Plans that another option beats on both axes are set aside. Each badge carries a short description:
Strong Fit — Strongest protection from unexpected costs at a yearly cost on par with the lowest. A strong overall fit.
Cost Focused — Low estimated yearly cost for the contact's current needs. Keeps routine expenses low; may cost more for the unexpected.
Cost Runner-Up — Another cost-focused alternative to the Strong Fit; still keeps routine expenses down.
Balanced — Balances monthly cost, copays, and added benefits — a strong middle ground for broader coverage.
Protection Focused — Protection from unexpected costs; lower out-of-pocket limits give greater cost predictability.
Protection Runner-Up — Another protection-focused alternative to the Strong Fit; still keeps out-of-pocket limits low.
When only one plan shows
Sometimes the hard filters (ZIP, Ready-to-Sell, the star-rating floor, and required doctors) leave a single qualifying plan. When that happens there's nothing to run the cost-vs-risk comparison against, so the plan is shown on its own with an explainer.
You can always update the filters to adjust the results or expand to the full market with View all plans.
Filters and defaults
Plan Fit gives you filters to refine the set of plans surfaced. The defaults are chosen to start you in a defensible, sellable place:
Filter | Default | Notes |
Star rating (1–5) | 4+ | Auto-softens to keep required doctors in-network; the filter updates to show it softened |
Carrier | All RTS | Use Include non-RTS plans to see or compare others |
Plan type | MAPD | Also MA-only, C-SNP, D-SNP, PDP |
Policy type | HMO / PPO / HMO-POS | All selected by default |
Provider coverage | All in-network | Can be relaxed to allow out-of-network |
Benefits | Any combination | Giveback, Dental, Vision, Hearing, OTC, Transportation, and more |
Not RTS | Not included | Toggle available from the list view |
When SNP plans are included: D-SNP and C-SNP plans are included by default only when the contact is flagged as dual-eligible (D-SNP) or has a qualifying chronic condition (C-SNP). Otherwise, they're reachable through the plan-type filter.
Automatic filter softening you should be aware of
Two automatic behaviors keep you from landing on an empty or misleading list:
Star-rating softening. The default is a 4+ star floor. If no 4+ plan keeps the contact's required doctors in-network, Plan Fit softens the floor down in half-star steps to find in-network options. When it does, the star filter updates to reflect the softened tier, so the list and the filter panel always agree.
Provider coverage being cleared. If a selected provider isn't covered by any qualifying plan, Plan Fit will remove the provider as a selected filter. A banner will be displayed noting a provider filter has been removed.
Viewing the complete list of plans
Change on a comparison column brings you to the complete list of plans in that geography so you can select a different plan to bring into the comparison.
View all plans takes you to the full list of plans available in that geography.
In the all-plans list, plans that meet your current filter criteria appear above a dividing line; plans that are in scope but don't currently meet the filters appear below the line, so nothing is silently dropped.
The contact's current plan is badged and can be pulled into comparison. It's compare-only, there's no Enroll action on it. (It must be on Sunfire to appear.)
Non-commissionable plans are badged and can be pulled into comparison.
Plans you're not Ready-to-Sell for can be shown via the Include non-RTS plans toggle; they're badged Not ready to sell and can be pulled into comparison.
Review benefits before deciding
Supplemental benefits (Giveback, Dental, Vision, Hearing, OTC, and more) show as detailed sections within the plan column of the compare view. Summary of Benefits and Evidence of Coverage documents are linked at the bottom and may be opened in separate tabs for more detailed review of a given plan.
Enrolling in a plan
After you select the Enroll button, either from the preview on the Contact Details page or from the comparison view, you're linked directly into the Sunfire application for the selected plan. The contact's details are passed into the application, so you're not re-entering context where it can be carried through.
The enrollment application is still completed in Sunfire, and that experience is unchanged. This is true for both Sunfire Blaze and Sunfire Blaze Connect. Sunfire remains responsible for application submission, final eligibility validation, and CMS disclosures. Once the enrollment is complete, webhooks make the Sunfire application data available back in the Spark platform, updating the contact with the new policy and adding it to Sunfire application reporting.
NOTE: Plan data is powered by Sunfire. Drug quoting, provider coverage, and plan availability all come from Sunfire data. If a plan isn't on Sunfire, or Sunfire suppresses it, it won't appear in the Spark Plan Fit flow.
Frequently asked questions
Why did the short list change when I edited the contact?
Recommendations re-rank on the contact's context — providers, prescriptions, specialist usage, LIS, and dual/chronic-condition status. Changing any of these can change the set. This is expected behavior.
Why am I only seeing a few plans, or one carrier?
The set defaults to plans you're Ready-to-Sell for, with all doctors in-network. Use Include non-RTS plans to compare others, or adjust the filters.
Where's the contact's current plan — can I compare it?
It's surfaced in the list when it's offered by Sunfire and can be pulled into compare. It's compare-only, with no Enroll action.
Why is a single plan shown on its own?
Only one plan met the filters and this contact's needs, so there was nothing to run the comparison against. The card includes an explainer, and you can expand with View all plans.
A D-SNP / C-SNP isn't defaulting into the list.
SNP plans are included by default only when the contact is flagged as dual-eligible or has a qualifying chronic condition. Otherwise they're available through the filter.
What is the "specialist usage" question for?
It captures how often the member sees specialists (Rarely → Very frequently) and feeds the cost estimate. It's an estimate only and does not affect the premium.
Plan Fit / Sunfire won't launch. Why?
The contact needs a saved ZIP to launch. The error message will explain this when it's missing.