For the family doing the math at midnight

The call comes
at 3am.

You shouldn't have to wonder if you can afford to answer it. We help American families build real health coverage — the kind that holds up when life doesn't.

A mother and her young daughter at a kitchen table in morning light, papers and a laptop between them.

"They finally treated us like a family, not a policy number."

— The Miller Family, Ohio

Talk to a real person.

First — tell us about your household.

Who needs coverage?

By continuing, you agree to be contacted by a licensed broker. Your info stays with us. We don't sell it. Ever.

No robocalls. No sales scripts. One real human, fifteen minutes, zero obligation.

  • Wherever you live, we can help
  • 4.9 stars, 290+ real reviews
  • Thousands of families later
A woman alone in her car in a hospital parking lot at night, hospital paperwork in her lap.

11:47pm · $12,400 in her lap

Somewhere tonight, a mother is doing math in a hospital parking lot.

She had insurance. She thought she was covered.

That math is broken.
We fix the math.

A hand-drawn sketch of a house showing three layers labeled floor, wall, and room to breathe.

— sketched at the kitchen table

So — here's what we do instead

Good coverage isn't one policy.

It's a floor under your family — so the worst day doesn't take the house with it.

It's a wall between you and the stuff you can't see coming — the diagnosis, the accident, the weeks you can't work.

And it's a little room to breathe on the ordinary days — the doctor's visit, the prescription, the checkup that shouldn't cost a paycheck.

"You don't have to figure out which pieces you need. That's what the conversation is for."

You're not crazy

The system isn't broken. It was built this way.

A quiet kitchen table at dusk — an open folder, two coffee mugs, a pair of hands.

"You think you're covered."

"You're paying every month."

"And then the bill comes anyway."

That's the trap. It's not your fault — the system was built this way.

Think about your car insurance for a second. You don't run oil changes through it. You cash-pay the little stuff. You insure the catastrophe.

Health insurance trained us to do the opposite — and made a fortune doing it.

Hand-drawn cycle sketch of our review process.
How it works

Three steps. One phone call.
No sales tricks.

You've talked to insurance people before. You know the drill. This is different — here's exactly what happens.

  1. 1
    Step One

    We listen.

    Fifteen minutes on the phone with a real broker. No script, no pitch. Tell us what you have now, what you're paying, what scares you. We'll ask the questions your last insurance person didn't.

  2. 2
    Step Two

    We build it with you.

    Right there on the call, we sketch what the right structure looks like for your family. Your health history. Your budget. The doctors you want to keep. Nothing hidden, nothing you didn't ask for.

  3. 3
    Step Three

    You decide. Always.

    Take a week. Take a month. Talk it over with your spouse. If it's a fit, we handle everything. If it isn't, you still walk away knowing exactly where your family stands — and that's worth something.

Jordan Sarmiento, founder of America First Healthcare.

"They handed me a bill for $95,000. Nobody could tell me why."

Why we exist  ·  Meet Jordan

I built this company because
the system almost broke my family.

In 2021 I spent six days in the hospital. Routine complications that turned serious fast. When I checked out, they handed me an itemized bill for roughly ninety-five thousand dollars.

I had insurance. I had done everything you're supposed to do. And still — no one on the hospital side, no one on the carrier side, could tell me in plain English what my family actually owed, or why.

That's the moment I realized: nobody is on the family's side. So we became that.

Today we sit down with thousands of American families every year. Some we help. Some we tell to keep exactly what they have. Every one of them gets the truth. That's the whole company.

— Jordan Sarmiento, Founder & CEO

Connect on LinkedIn
Our mission

Personal. Private. Affordable.

We educate and equip American families with tailored coverage options that protect their health, their loved ones, and their freedom to choose. No script. No pressure. Just a real conversation with someone who has been on the other side of the bill.

Our vision

A country where every family gets to choose.

Every American family with the knowledge, freedom, and access to choose healthcare that fits their life — their values, their people, their budget. Not what a carrier wants to sell them.

Real families

Voices of families we've sat with.

Real people. Real kitchen tables. Real conversations that changed what their coverage looked like.

“The bill was $47,000 — I opened it in the driveway. Jordan worked so hard to find us something we could actually afford. My husband and I had both just lost our jobs. He gave us straight answers, no runaround.”

Maritza
Perkins, Texas

“Our 19-year-old was aging off our plan. They just handled it. Explained every option in detail, never pressured me. My daughter is covered now and I don't spend Sundays worrying about it.”

Melody
Mauthe, Michigan

“My husband's a contractor, I'm self-employed. Nobody ever wanted to help us. These guys sat with us for over an hour and built something that actually fits how we live.”

Rachel
Asheville, North Carolina

“For the first time, someone was in our corner. Every call was seamless. They were kind, they explained things, they never rushed us. We're saving money every month and finally feel protected.”

Maureen
Lampe, Alabama

“We'd been overpaying for years and didn't know it. In one call they showed us the math. No slides, no pitch — just what we actually had, and what it was actually costing us.”

Daniel
Boise, Idaho
As Seen On
FOX
TURNING POINT USA
PublicSq.
CBS
abc
NBC
Side by side

What changes when someone's actually on your side.

  • Before

    High

    01Monthly premium
    What we build

    Often lower

  • Before

    Thousands

    02Deductible before help
    What we build

    Lower, or day-one access

  • Before

    You're exposed

    03A six-figure event
    What we build

    A real catastrophic wall

  • Before

    Marked up via carrier

    04Routine care
    What we build

    Cash price, often a fraction

  • Before

    Narrow network

    05Doctor choice
    What we build

    Nationwide PPO

  • Before

    A carrier

    06Who your plan answers to
    What we build

    Your family

An older couple sitting across from a broker at their kitchen table, papers and coffee mugs between them.
The standard

We answer to you.
Nobody else.

We're independent. We're not on any carrier's payroll, and nobody pays us to push a single product. That's the whole reason we exist.

Even when the right answer for your family isn't the easiest answer for us — you'll get the truth.

The questions everyone asks

Straight answers.
No hedging.

Fifteen years of the same questions from families across the country. Here's what we tell them — the same thing we'd tell our own parents.

"The system isn't broken.
It was built this way."

— Jordan Sarmiento

Yes. We're a licensed insurance agency working with established, top-rated carriers. If we ever show you a health-share plan (which isn't insurance), we'll say so plainly. You'll never wonder what you're looking at.

No. One scheduled conversation with a licensed broker. That's it. No call-center handoffs, no selling your info to lead lists, no follow-up war of attrition. If you don't want to hear from us again, you won't.

The conversation is free. Fifteen minutes. Zero obligation. If you don't move forward, you don't pay us anything — and we don't get paid by anyone else for you being on the call. That's the deal.

Then I'll tell you that. Honestly, it happens all the time. If your plan fits your family, keep it, and I'll help you understand exactly why it's a good fit so you can stop second-guessing yourself.

No. We're independent and licensed in all 50 states. We shop across multiple top-rated carriers to find the fit for your family — not the fit for our commission structure.

One last thing

Tell us about your family.
We'll take it from there.

You already know something isn't right. Maybe you're paying too much. Maybe you have coverage that wouldn't hold up. Maybe the last time you looked into this it felt like a sales call and you bailed.

We get it. This isn't that.

  1. 1.You pick a time. Fifteen minutes.
  2. 2.One licensed broker looks at what you have — no script.
  3. 3.You get the truth, and you decide. That's it.

If your current plan is already the best fit for your family, we'll tell you — and you owe us nothing.

Let's talk about
your family.

"For the first time, someone was in our corner."

— Maureen, Alabama