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The honest comparisons

Six comparisons, written so the other side can win.

Most comparison pages exist to make one option look ridiculous. These do not. Each one lays out what the alternative genuinely does better, who it actually suits, and where private PPO coverage is the stronger answer.

Pick your situation

Start with the option you are weighing now.

Two people comparing printed brochures at a desk
Why these pages exist

Every one of these has a losing side for us.

Each comparison names the situations where the other option is genuinely the better buy — COBRA when you are mid-treatment, the Marketplace when a subsidy lands. If that is you, the honest answer is the one you will get on the call.

  • The alternative's real strengths, stated plainly
  • Who each option actually suits
  • A verdict you can check against your own situation
The Honest Comparison

Stop overpaying for coverage that barely covers you.

Here is the same healthy applicant, priced two ways. We are not hiding the trade-offs — if a subsidized Marketplace plan is cheaper for you, an advisor will tell you that on the call.

Typical Marketplace$750/mo

Unsubsidized bronze-tier premium, $5,000+ deductible.

America First Health Plans$300/mo

Underwritten PPO coverage for a healthy applicant.

Pre-existing conditions covered

Save ~$450/mo — that’s over $5,400 a year back in your pocket.

Example figures only. Actual premiums, deductibles and benefits vary by age, location, health history and the plan selected.

America First Health PlansBest Value

  • Monthly premium

    Marketplace

    $750/mo

    America First

    $300/mo

  • Deductible

    Marketplace

    $5,000–$9,000+

    America First

    As low as $0

  • Telemedicine

    Marketplace

    ~$50 a visit

    America First

    Often $0

  • Doctor & specialist visits

    Marketplace

    $50+ copays

    America First

    Low or $0 copays

  • Out-of-pocket max

    Marketplace

    $18,000+

    America First

    ~$3,000

  • Co-insurance

    Marketplace

    Often 40% on you

    America First

    Up to 100% covered

  • Doctor networks

    Marketplace

    Narrow local HMOs

    America First

    Broad nationwide PPOs

  • Enrollment window

    Marketplace

    6 weeks a year

    America First

    Any day of the year

See what I qualify for
Who we help

Built for the people the system overlooks.

If you’re paying full price on the Marketplace or stuck between jobs, a private PPO plan is often the smarter move. These are the situations we specialize in.

  • Losing employer coverage

    COBRA hands you the full premium and sixty days to decide.

  • Self-employed

    Nobody splits the premium with you — every dollar is yours.

  • Missed open enrollment

    It's April and the Marketplace won't take you without a life event.

  • Your doctor's out of network

    The network is narrow and the specialist referral keeps bouncing.

  • A condition to cover

    You want to say so up front and hear honestly what it changes.

  • Retired before 65

    Medicare is years away and the gap still has to be bridged.

Real options. Real advisors. Zero pressure.

Find My Plan
Still deciding

Not sure which side
you are on?

That is what the call is for. Five questions, one licensed advisor, and an honest answer — including stay where you are, if that is the right one.

  • 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.

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