Step 1: About 30 seconds
Tell us what you're looking for
Five short questions: your state, who needs coverage, whether pre-existing conditions are in the picture, and how soon you need it.
About us
Health coverage is confusing on purpose. We are the other thing.
America First Health Plans connects people who do not get insurance through an employer with licensed advisors who can walk them through private PPO coverage — honestly, at any time of year, including when the honest answer is that something else suits them better.
What we actually do
A referral service, not an insurance company.
We do not underwrite policies, decide who qualifies or issue coverage. We put the right information in front of a licensed advisor so that the call you get is a useful one.
Most of the people we hear from are self-employed, between jobs, working seasonally, or retired before Medicare. Nobody is splitting the premium with them, and the default options are expensive, narrow, or closed for eleven months of the year.
Private PPO plans are medically underwritten. The carrier asks health questions, which is why the coverage can cost less and reach further — and why it is not the right route for everyone.
How we are paid: if you enroll through a licensed advisor, the carrier pays that advisor a commission. You are never charged for the review, and the commission does not change what you pay.
Why America FirstIndependent guidance.
Independent guidance.
Coverage that puts you first.
We’re an independent American brokerage. Our only job is matching you with the right plan — not pushing one company’s products, and never selling your details to a lead auction.
50
States covered
“Real options. Real advisors. Zero pressure.”
The promise behind every America First call
Private-coverage specialists
We focus on private PPO coverage, so you talk to advisors who know these plans inside out — not a call center reading a script.
Education first, never pushy
Plain-English answers, including when Medicaid, a subsidized Marketplace plan or a spouse's employer plan is the better deal.
Coast-to-coast networks
Broad nationwide PPO networks that travel with you, so you can keep the doctors you trust when you cross a state line.
Your free plan review takes 30 seconds.
No obligation. No spam. Just your real options — or see the honest comparisons.
Who you’ll speak to
Real, licensed advisors in your corner.
We’re not an algorithm that picks a plan for you. You share what you need, a licensed advisor reviews it, and a real person walks you through your options and handles the paperwork. You make the decision.
- They read your answers before they dial.
- They tell you what a plan does not cover, not just what it does.
- They never need a decision on the call.
Our promises
Four things you can hold us to.
- 1
We say when we are not the answer
Medicaid, a subsidized Marketplace plan, a spouse's employer plan, staying on COBRA mid-treatment — all of these beat us for some people. An advisor who cannot say that out loud is not giving you advice, they are reading a script.
- 2
One advisor, one call
Your details are not sold, shared or auctioned. They go to a single licensed advisor who reads them and calls you once. If you say no, that is the end of it.
- 3
No invented numbers
Your actual premium comes from a carrier underwriting your actual application — not from a calculator on a marketing page. Until then, nobody should be promising you a number.
- 4
Plain English, always
Deductible, co-insurance, out-of-pocket maximum, underwriting. These decide what you pay in a bad year, and you are entitled to have them explained without jargon before you sign anything.
How it works
Four simple steps to better coverage.
No paperwork marathons. No pressure. And you can stop at any step.
Step 2: Same day
A licensed advisor reviews your details
A real person reads your answers and works out which private PPO options are actually available in your state and situation.
Step 3: One call, one advisor
You get a quick call
Your advisor explains what each option covers, what it doesn't, and what it would cost — and answers the awkward questions.
Step 4: Zero pressure
You decide
Take a plan, take a different one, or take nothing at all. There's no deadline on our end and nobody calls back to pressure you.
Member storiesReal Americans.
Real Americans.
Real conversations.
The kind of calls our advisors have every day — including the ones where the honest answer is “this plan isn’t for you.”
Example advisor conversations
“I called about a plan I had already picked out and the advisor talked me out of it. She said the network did not include the hospital ten minutes from my house. I would never have checked.”
Talk to a real person
Honest advice starts
with four questions.
Start with your state and a licensed advisor will review private PPO options available where you live — no payment details, no login, no credit check, and no obligation.
- Licensed advisors, no pressure
- Pre-existing conditions covered
- Apply any day of the year
- Free plan review — no obligation
Free plan review
Free & no obligation · licensed advisors
Step 1 of 5
Let's find your coverage
Start with your state.
Secure & confidential Takes about 30 seconds