Where we are reviewed, what the counts are, how the reviews are collected, and what the critical ones usually say.
Rated on public profiles
Yes. America First Healthcare is a licensed independent insurance agency based in Orlando, Florida, founded by Jordan Sarmiento. It is an agency, not an insurer: coverage is issued by third-party carriers, and our advisors are licensed and can be looked up.
On three public profiles we do not control. Trustpilot: 4.9 out of 5 from 974 reviews. Google: 4.6 out of 5 from 357 reviews. Better Business Bureau: A+ rating, 4.6 out of 5 from 107 reviews. The reviews are on those profiles, in each customer's own words.
The critical reviews we receive fall into three groups. Some plans we present are sold outside the ACA Marketplace and can exclude pre-existing conditions or skip some essential health benefits. Some people say they got too many calls and texts. And a Reddit thread titled "America's Health Insurance First (STAY AWAY)" names a different agency that is not connected to us. Our answer to each is further down this page.
Our advisors are licensed. Ask your advisor for their full name and license number and check it on the National Insurance Producer Registry. A licensed agent will not mind being asked.
98% of our 974 Trustpilot reviews are five stars, public, and in our members' own words.
Reviews are verbatim from Trustpilot.
On three public profiles, none of which we control. The Trustpilot figure is read from Trustpilot itself and refreshed through the day; the others were read from each profile on the date on its card. The profile is the record and this page is the map to it.
Trustpilot
4.9 out of 5 from 974 reviews
Live from Trustpilot, refreshed every six hours
Our largest public record, and the one this site quotes. Every review is in the customer's own words.
Read on Trustpilot4.6 out of 5 from 357 reviews
As of September 14, 2026
The Google Business Profile for our Orlando office. This is the rating that appears beside our name in search.
Read on GoogleBetter Business Bureau
A+4.6 out of 5 from 107 reviews
As of November 4, 2026
BBB rating A+. BBB Accredited since August 12, 2025. Read the profile, including any complaints, directly on bbb.org.
Read on Better Business BureauYes. America First Healthcare is a licensed independent insurance agency based in Orlando, Florida, founded by Jordan Sarmiento. Here is how to check that for yourself rather than take our word for it.
We ask after an appointment
The invitation goes out because a call happened, not because it went well.
Everyone gets the same link
No pre-screen and no filter on who is asked.
Nobody is paid
No money, discount or gift card for a review.
We ask after an appointment. That is the whole mechanism, and three things are deliberately missing from it.
Anyone can also post without being asked, on any of the three profiles above, and those reviews count the same as the ones that followed an invitation.
Our office
America First Healthcare is based in Orlando, Florida.
Get directionsThe critical reviews we receive tend to fall into three groups. Here is each one, stated as fairly as we can, and what is true about it.
This is the most serious one, so here is the plain version. We are an independent agency and we present options from third-party carriers. Some of those options are private plans sold outside the ACA Marketplace, and some are health-sharing programs, which are not insurance at all. Plans sold outside the Marketplace are not required to cover the ten essential health benefits, and they can decline an applicant or exclude a condition based on medical history. Marketplace plans cannot do either.
Who those plans are not for. If you have an ongoing condition that needs to be covered from day one, if you rely on maternity, mental health or prescription coverage being guaranteed, or if a Marketplace subsidy makes a comprehensive plan affordable for your household, a limited-benefit or non-Marketplace plan is the wrong tool. An advisor should say so in the review, and if a plan does not fit, we say no. If that did not happen on your call, tell us at info@americafirsthealthcare.com and we will look at the exact plan you were offered.
The design is one scheduled 15-minute review with one licensed advisor, no call center. Booking a review does mean we contact you to hold it. If you want that to stop, reply STOP to any text, tell the advisor on the call, or email us. Consent to be contacted is never a condition of buying anything, and our privacy policy spells out how to withdraw it.
A Reddit thread titled "America's Health Insurance First (STAY AWAY)" shows up when people search for our name. That title names a different, separately registered agency in Pompano Beach, Florida, which is not connected to us. Its charge is still worth answering, because it is the first point above: that the plans sold are not ACA Marketplace plans and do not cover pre-existing conditions or every essential benefit. That is true of some of the options we present, and our answer is the one written above rather than a different one for Reddit. Those plans are a reasonable fit for some households and the wrong choice for others, and the review exists to sort out which before anyone signs. Anyone in that thread who wants the limits of their own plan explained can call (888) 728-7640.
There is no America First Healthcare plan with a monthly price, because we are not an insurance company. We are an independent agency, and the plans we present are issued and priced by third-party carriers. What you pay each month depends on the plan, your age, where you live, who is covered and, for private plans sold outside the Marketplace, your health history. The review itself costs nothing and carries no obligation. The advisor will show you the actual monthly premium for each option before you decide anything.
Doctors and hospitals do not accept "America First Healthcare" as an insurance plan, because we are the agency, not the insurer. They accept (or do not accept) the carrier and network printed on your member ID card. Before you buy, ask the advisor which network a plan uses and check that your own doctors, hospital and prescriptions are in it. Our guide to checking your doctor, hospital and prescriptions before you buy walks through how.
If you have worked with us, the two profiles that matter most are Trustpilot and Google. Say what happened, including the parts that did not go well. A public record is only useful if it is complete.
Want a plain-English walkthrough of your household's coverage? Book a free healthcare review, no hard sell.
Free healthcare reviewBook 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.
