What we're for, how we work, and the things we won't compromise on.
Healthcare should be personal, private, and affordable. Our mission is to empower Americans with tailored coverage that protects their health, their family, and their freedom to choose.
Most plans are built to help with the visits you could plan for and leave you exposed to the bill you could never pay. We build it the other way round, and we show our work.
01
You are not handed a catalog and left to compare. We run every carrier we are appointed with and bring back what actually fits, which is the whole job.
02
The real number before you decide, not after the paperwork. If a plan costs more than it looks like it costs, you hear it from us first.
03
Rates drift upward quietly, and most people only find out at renewal. We go back to the market annually so the plan you joined on stays the right one.
A standard of excellence built on conviction.
We don't partner with carriers whose priorities run counter to the families we serve. Recommendations are based on what protects you, not what's fashionable in the industry.
No pressure into misaligned plans. No hidden limitations buried in fine print. No outside agendas. If a plan doesn't fit, we say so, and we say no.
We work the private carriers every week for better protection, lower premiums, and ways around the subsidy cliff that keep more money in your household.
You decide which doctor you see and how you care for your family, not a one-size-fits-all mandate.
Protection built around your needs and budget, never over-insured and under-protected.
Healthcare should serve people, not systems. Your family comes before profit or paperwork.
No hidden fine print. Free, plain-language reviews so you can make an informed decision.
98% of our 617 Trustpilot reviews are five stars, unprompted, public, and in our members' own words.
Verified · TrustpilotJanet Wilson · July 16, 2026
“I have been trying to find a company that I can trust to take care of my needs, honestly answer my questions, and be transparent with me. I finally found that with America First Healthcare and Zachary Ballard. He answered every question honestly that I asked him.”
Found honest, transparent answers to every question she asked.
Verified · TrustpilotRichard Newman · July 22, 2026
“He walked me through the coverage options very thoroughly. We were able to lower my premium vs. my new employer. After years of having high quality insurance through other employers I was happy to see I was getting great coverage through America First Healthcare.”
A lower premium than his new employer’s plan, without giving up quality.
Verified · TrustpilotCrystal Arredondo · July 10, 2026
“Debbie is so much more than an agent. She truly cares about people. She answered all of my questions, was always just a text or phone call away, and made me feel supported every step of the way. She has built her business on relationships and trust, and it shows.”
Her agent was a text or phone call away, every step of the way.
Verified · TrustpilotPatty Woods · July 22, 2026
“I worked with Zachary Ballard who guided me through Medicare coverages. He was very knowledgeable and clearly explained everything and helped me make the best decisions for my current needs.”
Guided through her Medicare options in plain language.
Verified · TrustpilotSteve Hereford · July 17, 2026
“I am thankful for the time I had with Ryan. He thoroughly sought us an insurance plan that worked best for our family. Highly recommend to other freedom loving American that is looking for healthcare.”
A plan matched to his family, and to his values.
Reviews are verbatim from Trustpilot; photos are illustrative.
Book a 15-minute review with a licensed advisor, or have one reach out to you. No call center, no pressure, and every number on the table. Keep the protection. Cut the rest.
Two ways in
No bots. No spam. Just honest advice.
Your health. Your family. Your freedom to choose.
