<?xml version="1.0" encoding="UTF-8"?>
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        xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
        xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9
        http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd">

  <!-- Homepage -->
  <url>
    <loc>https://plansforhealth.com/</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Core service pages -->
  <url>
    <loc>https://plansforhealth.com/medicare</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Location pages -->
  <url>
    <loc>https://plansforhealth.com/california</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://plansforhealth.com/california/sacramento</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://plansforhealth.com/california/roseville-rosewood</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://plansforhealth.com/hawaii</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- About & Contact -->
  <url>
    <loc>https://plansforhealth.com/about</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://plansforhealth.com/contact</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Resources hub -->
  <url>
    <loc>https://plansforhealth.com/resources</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://plansforhealth.com/resources/hawaii</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>

  <!-- Blog posts -->
  <url>
    <loc>https://plansforhealth.com/blog/medicare-advantage-plans</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://plansforhealth.com/blog/hawaii-guide-to-medicare</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Privacy Policy -->
  <url>
    <loc>https://plansforhealth.com/privacy-policy</loc>
    <lastmod>2026-06-16</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <!-- NOTE: /thank-you is intentionally excluded from sitemap (conversion page only) -->

</urlset>
