This is the same review the advisor works from. Nothing here is a price offer — it is what a licensed advisor needs before they can tell you anything honest about price.
Four questions, about thirty seconds
No login, no Social Security number, no income questions
One licensed advisor calls you — never a call centre
Pre-existing conditions covered
No obligation, and no follow-up campaign if you say no
Free coverage reviewLicensed advisors in all 50 states
Progress: Step 1 of 5
Let's find your coverage
Start with your state.
No login, no Social Security number, and we never ask about your income.
Secure & confidentialTakes about 30 seconds
Why It Takes Thirty Seconds
Four answers are enough to start honestly.
Your state, household size, health picture and timing tell an advisor which carriers and plan types are even worth discussing.
Everything else — doctors, prescriptions, budget — is easier to cover in a short conversation than in a long form.
No Social Security number
No date of birth or income questions
No obligation to enroll
0
States with licensed advisors
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Potential annual saving, in dollars
0s
To finish the review
0
Advisor calls you — never a call center
How It Works
Three steps, and you are in control of all three.
01
02
03
Step one · about 30 seconds
Four quick answers. No SSN, no date of birth.
State only, never your ZIP. Your details go to one licensed advisor and nobody else.
Your free review
Household
1234+
Pre-existing conditions
YesNo
When
Now30 daysComparing
Member Stories
What the call usually sounds like.
5.0
“I was paying $690 a month for a plan with a $7,000 deductible. The advisor found a PPO my cardiologist already takes, and I stopped dreading the renewal letter.”
Self-employed contractor, 47 · Texas
5.0
“COBRA wanted $1,180 a month for the two of us. The call took twenty minutes and I understood my options for the first time in years.”
Recently laid off, 52 · Ohio
5.0
“He told me my income meant a subsidized Marketplace plan would beat anything he could sell me. I did not expect that from a phone call about insurance.”
Part-time seasonal worker, 34 · Oregon
5.0
“I was paying $690 a month for a plan with a $7,000 deductible. The advisor found a PPO my cardiologist already takes, and I stopped dreading the renewal letter.”
Self-employed contractor, 47 · Texas
5.0
“COBRA wanted $1,180 a month for the two of us. The call took twenty minutes and I understood my options for the first time in years.”
Recently laid off, 52 · Ohio
5.0
“He told me my income meant a subsidized Marketplace plan would beat anything he could sell me. I did not expect that from a phone call about insurance.”
Part-time seasonal worker, 34 · Oregon
5.0
“Three states in eighteen months on travel contracts. The thing I needed was a network that did not end at the county line, and that is what we talked about.”
Travel nurse, 31 · Arizona
5.0
“I run a four-person shop. We went through what a group plan would cost versus individual coverage, and he was straight that the group route made no sense at our size.”
Small business owner, 44 · North Carolina
5.0
“Retired at 61 and the gap to Medicare looked like the most expensive four years of my life. It is still not cheap, but it is roughly half what I had budgeted.”
Early retiree, 61 · Florida
5.0
“Nobody asked for my Social Security number or my income. Four questions, then a real person called. That alone put me at ease.”
Rideshare driver, 29 · Nevada
5.0
“My wife has a thyroid condition, so I assumed underwritten meant declined. The advisor explained what carriers actually do with that, and we went in with our eyes open.”
Owner-operator, 50 · Tennessee
5.0
“I called in March after leaving my job. I had no idea you could start coverage outside open enrollment until somebody said it plainly.”
Marketing consultant, 38 · Illinois
5.0
“Two kids, and our old plan meant $50 every time one of them had an ear infection. Low copays were the whole point for us.”
Family of four, 41 · Georgia
5.0
“He walked me through the out-of-pocket maximum line by line. That number was the one I had never understood, and it is the one that actually matters.”
Restaurant manager, 36 · Colorado
5.0
“I said I wanted to think about it. There was no second call, no email campaign, nothing. I rang them back a fortnight later myself.”
Framing contractor, 45 · Idaho
5.0
“I was paying $690 a month for a plan with a $7,000 deductible. The advisor found a PPO my cardiologist already takes, and I stopped dreading the renewal letter.”
Self-employed contractor, 47 · Texas
5.0
“COBRA wanted $1,180 a month for the two of us. The call took twenty minutes and I understood my options for the first time in years.”
Recently laid off, 52 · Ohio
5.0
“He told me my income meant a subsidized Marketplace plan would beat anything he could sell me. I did not expect that from a phone call about insurance.”
Part-time seasonal worker, 34 · Oregon
5.0
“Three states in eighteen months on travel contracts. The thing I needed was a network that did not end at the county line, and that is what we talked about.”
Travel nurse, 31 · Arizona
5.0
“I run a four-person shop. We went through what a group plan would cost versus individual coverage, and he was straight that the group route made no sense at our size.”
Small business owner, 44 · North Carolina
5.0
“Retired at 61 and the gap to Medicare looked like the most expensive four years of my life. It is still not cheap, but it is roughly half what I had budgeted.”
Early retiree, 61 · Florida
5.0
“Nobody asked for my Social Security number or my income. Four questions, then a real person called. That alone put me at ease.”
Rideshare driver, 29 · Nevada
5.0
“My wife has a thyroid condition, so I assumed underwritten meant declined. The advisor explained what carriers actually do with that, and we went in with our eyes open.”
Owner-operator, 50 · Tennessee
5.0
“I called in March after leaving my job. I had no idea you could start coverage outside open enrollment until somebody said it plainly.”
Marketing consultant, 38 · Illinois
5.0
“Two kids, and our old plan meant $50 every time one of them had an ear infection. Low copays were the whole point for us.”
Family of four, 41 · Georgia
5.0
“He walked me through the out-of-pocket maximum line by line. That number was the one I had never understood, and it is the one that actually matters.”
Restaurant manager, 36 · Colorado
5.0
“I said I wanted to think about it. There was no second call, no email campaign, nothing. I rang them back a fortnight later myself.”
Framing contractor, 45 · Idaho
Straight Answers
The questions everybody asks.
Still unsure? Start the review and ask the advisor directly — that is what they are there for.
Is this a government website?
No. America Healthcare Plans is a privately operated insurance marketplace and independent brokerage. We are not a government agency and we are not affiliated with or endorsed by the Health Insurance Marketplace, Healthcare.gov, Medicare or Medicaid.
Are pre-existing conditions really covered?
Private PPO plans can cover pre-existing conditions, and the survey asks about them specifically so your advisor knows before they call. Because these plans are medically underwritten, your health history affects both eligibility and price — which is exactly why a licensed advisor reviews it rather than a form spitting out a number.
Do you sell my information?
No. Your details go to one licensed advisor so they can contact you about coverage. We do not sell your information to lead aggregators, and you can ask us to delete it at any time through the Do Not Sell My Info page.
Will this website give me a price?
No — and any site that promises one before it knows your health history is guessing. You submit your details, a licensed advisor reviews them, and they call you with real options. The figures shown on this site are not personal rates.
Can I enroll outside of open enrollment?
Yes. Private PPO plans are not tied to the ACA open enrollment window, so you can apply any day of the year. If you have just lost employer coverage, you may also qualify for a Marketplace special enrollment period — your advisor will tell you if that is the better route.
What does it cost to talk to an advisor?
Nothing. There is no fee for the review and no obligation to enroll in anything.
How quickly will someone call?
Most reviews are returned the same business day during our hours (Mon–Fri, 8am–8pm ET). You get one call from one advisor — not a week of robocalls.
