Independent health insurance brokers
Better health insurance. Paying less for it.
Independent, licensed advisors who compare private, ACA, Medicare and group plans from top-rated carriers — so you get broader coverage at a price that makes sense. Many of our clients save 30–60%.
- Licensed, independent advisors
- No-cost consultations
- Year-round support
- Licensed & independent
- 100% no-cost guidance
- 25+ years of experience
- Year-round, real-person support
Coverage we help you find
Explore insurance plans with confidence
One conversation, every option. We'll compare plans across carriers and coverage types so nothing gets missed.
Private Health Insurance
Non-ACA plans with nationwide PPO networks and premiums priced for healthy applicants. Enroll any time of year.
Explore Private Health InsuranceIndividual & Family
Quality coverage for you, your spouse and your kids — private and Marketplace options compared side by side.
Explore Individual & FamilyGroup & Small Business
Attract and keep great people with group medical, dental, vision and life benefits for teams of 2 to 200+.
Explore Group & Small BusinessSelf-Employed
Health insurance built for sole proprietors, freelancers and 1099 contractors who don't have an employer plan.
Explore Self-EmployedMedicare
Medicare Advantage, Medicare Supplement (Medigap) and Part D drug plans explained in plain English.
Explore MedicareLife Insurance
Term, whole, universal and final expense coverage to protect the people who depend on you.
Explore Life InsuranceCritical Illness
A lump-sum cash benefit paid directly to you if you're diagnosed with cancer, a heart attack or a stroke.
Explore Critical IllnessAccident Insurance
Cash benefits for ER visits, ambulance rides, fractures and hospital stays caused by covered accidents.
Explore Accident InsuranceDental, Vision & Hearing
Affordable plans for cleanings, fillings, eye exams, glasses and hearing aids.
Explore Dental, Vision & HearingWhy families and business owners choose an independent broker
Since the Affordable Care Act took effect, premiums have climbed and deductibles have grown while networks have narrowed. And with the enhanced ACA subsidies now expired, the 400% income “subsidy cliff” is back — meaning many self-employed people, early retirees and middle-income families are paying full price for Marketplace coverage.
American Medical Plans was built for exactly that problem. We specialize in private, non-ACA health insurance for individuals, families and small groups, and we compare it head-to-head with ACA Marketplace plans so you can see which actually costs less for your situation. Our clients regularly report saving 30–60% while moving to broader networks.
We work for you, not an insurance company
As an independent agency we're appointed with multiple top-rated carriers, so our recommendations aren't tied to one company's product shelf. We listen first, then match you to coverage based on your doctors, prescriptions, health and budget.
Expert guidance at no cost
Our service is free. Carriers compensate licensed agents, and your premium is the same whether you enroll directly or with us — except with us you get a real person to call when you have a claim question, a billing issue or a life change.
Support that lasts beyond enrollment
We review your coverage every year, help with claims and renewals, and adjust your plan as your family, business or health changes. That's what turns a policy into a long-term plan.
Simple 3-step process
How it works
Tell us what you need
Share a few details by phone or online: who needs coverage, your doctors, your prescriptions and your budget.
Compare real options
We shop multiple carriers and walk you through private and ACA plans side by side, in plain English.
Enroll with confidence
We handle the paperwork, then stay with you for claims, renewals and annual reviews.
As heard on national radio
Endorsed by broadcaster Chris Salcedo
Broadcaster, author and political analyst Chris Salcedo recommends American Medical Plans to listeners who are tired of overpaying for health coverage. Hear why, then see what you could save.
Client reviews
We're happy when you're happy
“American Medical Plans stands out for their deep knowledge and professionalism. They're clearly experts in their field and always go the extra mile to help clients make informed decisions.”
“They are a very helpful company. Kay helped me find an insurance plan to fit my budget, and also helped with getting me life insurance.”
“Very pleased with all the help Jude has provided. He is so very patient with all my questions, very responsive, and takes the time to talk through all options.”
Questions, answered
Health insurance FAQs
What kind of health insurance does American Medical Plans offer?
We help you compare private (non-ACA) health plans, ACA Marketplace plans, Medicare Advantage, Medicare Supplement and Part D plans, group plans for small businesses, and supplemental coverage including life, critical illness, accident, dental, vision and hearing insurance, plus annuities.
Does it cost anything to work with a broker?
No. Our consultations, plan comparisons and enrollment help are free to you. Licensed agents are paid by the insurance carriers, and the premium you pay is the same whether you buy direct or through us.
How can private health insurance cost less than an ACA plan?
Many private plans use medical underwriting, which lets healthier applicants qualify for lower premiums than ACA plans that price everyone the same. Since the enhanced ACA subsidies expired after 2025, households above 400% of the federal poverty level no longer receive any premium tax credit, so the gap is often largest for self-employed people, early retirees and families with good health. Private plans aren't right for everyone, which is why we compare both.
Can I enroll outside of open enrollment?
Yes, for many plans. Private health plans, life insurance, critical illness, accident and dental coverage can be purchased year-round. ACA Marketplace plans require Open Enrollment (starting November 1) or a Special Enrollment Period, and Medicare has its own enrollment windows.
Will I keep my doctors?
That's one of the first things we check. Before you choose a plan we look up your doctors, hospitals and prescriptions in each carrier's network so there are no surprises after you enroll.
Ready to stop overpaying for coverage?
Get a side-by-side comparison of plans that fit your budget and your doctors. It costs nothing, and there's never any pressure to enroll.