Choosing a health insurance provider is one of the most important financial decisions a family can make, and it pays to know what real customers think before signing up. That is exactly why so many people are searching for america first healthcare reviews before booking a consultation. This article breaks down what verified customers, watchdog organizations, and the company itself say about the service, so you can make an informed decision. We will cover the company’s background, how it operates, what reviewers praise, what complaints exist, and the answers to common questions people ask before enrolling.
What Is America First Healthcare?
America First Healthcare is a private health insurance agency based in Orlando, Florida. The company was founded in 2021 and positions itself as an alternative to traditional insurance marketplaces, marketing directly to customers who want coverage options aligned with conservative values. It offers health, life, Medicare, dental, vision, and small business insurance plans by working with multiple carriers to find coverage that fits a client’s budget and needs. Rather than selling a single product, the company operates as a broker, shopping around various plans on a client’s behalf.
The agency was founded by entrepreneur Jordan Sarmiento, who has said his own experience with a $95,000 medical bill inspired him to build a company focused on transparency and straightforward communication. According to the company, its advisors are trained to explain coverage in plain language rather than push a quick sale. This approach appears to resonate with a specific audience looking for a values driven alternative to standard marketplace plans.
Quick Facts Table
| Detail | Information |
|---|---|
| Company Name | America First Healthcare (also known as America First Healthcare LLC) |
| Founder & CEO | Jordan Sarmiento |
| Founded | 2021 (Business Started: August 5, 2022, per BBB records) |
| Headquarters | 7700 Southland Blvd, Ste 200, Orlando, FL 32809 |
| Industry | Private health, life, Medicare, and business insurance brokerage |
| BBB Status | BBB Accredited Business, A+ Rating |
| Trustpilot Score | Over 4 stars, with more than 90% positive reviews reported |
| Services Offered | Health, life, Medicare, dental, vision, accident, and critical illness insurance |
America First Healthcare Reviews: What Customers Are Saying
Positive Feedback From Verified Reviewers
The majority of america first healthcare reviews on Trustpilot and the Better Business Bureau are strongly positive. Many customers describe their assigned insurance agent as patient, knowledgeable, and willing to explain every detail of a policy without pressuring them to buy. Reviewers frequently mention specific agents by name, praising them for finding better coverage at a lower monthly cost than what they had previously. Several clients also note that the process felt more personal compared to searching for plans on their own through a public marketplace.
A recurring theme in the reviews is customer service quality. People often highlight how quickly an agent responded to their calls or texts and how the agent worked to fit coverage within a specific budget. Families searching for coverage after a job loss, a child aging off a parent’s plan, or a small business needing group coverage frequently report satisfaction with the guidance they received. The company also responds publicly to reviews on platforms like Trustpilot and the BBB, often thanking customers by name and reinforcing its stated values of transparency and care.
Common Concerns and Complaints
Not every review is glowing, and it is worth being aware of the criticism as well. Some customers have reported confusion over billing, particularly when a bundled plan resulted in multiple separate charges from different providers. Others have noted unexpected tax implications tied to certain plan types, which is a detail worth clarifying directly with an agent before enrolling. A smaller number of BBB complaints describe frustration with slow follow-up on claims tied to healthcare sharing programs, which function differently from traditional insurance and may not guarantee the same protections.
It is also useful to understand that some of the company’s offerings include health sharing ministries rather than regulated insurance policies. These programs can offer lower monthly costs, but they are not legally required to pay claims the way licensed insurance is, so customers should ask detailed questions about how a specific plan handles medical bills before committing. Reading the fine print and requesting written plan documents before enrolling can help avoid the type of billing confusion mentioned in some complaints.
How America First Healthcare Compares to Traditional Marketplace Options
Personalized Brokerage Model
Unlike shopping directly through a public healthcare exchange, America First Healthcare assigns clients a dedicated agent who searches across multiple carriers. This can save time for people who find marketplace websites overwhelming or confusing. However, because agents work with a curated set of carriers and plan types, it is still smart to compare quotes independently before making a final decision.
Values-Based Marketing
A distinctive part of the company’s identity is its marketing toward customers who want their insurance dollars to support providers and networks aligned with their personal values. This branding strategy has clearly built a loyal customer base, based on the volume of reviews mentioning that clients found the company through social media content. That said, the core insurance products offered are similar in structure to what other independent brokers provide, so the deciding factor for many buyers comes down to price, coverage details, and agent responsiveness.
Tips Before You Enroll With Any Health Insurance Broker
Before finalizing any policy, ask your agent to clearly explain whether the plan is a licensed insurance product or a health sharing program, since the two have very different legal protections. Request a written summary of benefits and a full breakdown of monthly costs, including any add on products bundled into the quote. Confirm whether pre-existing conditions are covered and how claims are processed if you need medical care. Take time to read independent reviews from multiple platforms rather than relying on a single source, and do not feel pressured to enroll during the first phone call if you need more time to compare options.
Conclusion
Based on available america first healthcare reviews across Trustpilot and the Better Business Bureau, the company has built a largely positive reputation, particularly around agent responsiveness and personalized service. At the same time, a handful of complaints point to the importance of understanding exactly what type of plan you are purchasing, especially when it comes to health-sharing programs versus traditional insurance. As with any insurance decision, the best approach is to ask detailed questions, request everything in writing, and compare multiple quotes before enrolling. Doing this homework can help you get the coverage you actually need at a price that works for your family.
Frequently Asked Questions
Is America First Healthcare a legitimate company?
Yes. America First Healthcare is a BBB-accredited business with an A+ rating and has been operating since 2022. It holds a strong overall score on Trustpilot as well, based on hundreds of customer reviews.
Does America First Healthcare sell traditional insurance or health sharing plans?
The company offers both, depending on the client’s needs and budget. It is important to ask your agent directly which category your specific plan falls under, since health-sharing programs operate differently from regulated insurance.
Where is America First Healthcare located?
The company is headquartered in Orlando, Florida, at 7700 Southland Blvd, Suite 200.
Who founded America First Healthcare?
The company was founded by Jordan Sarmiento, who has spoken publicly about being inspired by his own experience with a large, unexpected medical bill.
What do most America First Healthcare reviews say?
Most reviews are positive and focus on helpful, patient insurance agents who explain coverage options clearly and help clients find more affordable plans.
Are there any common complaints about America First Healthcare?
A small number of complaints mention billing confusion with bundled plans and slower than expected responses on certain health sharing claims. These issues appear to affect a minority of customers based on the overall review volume.
How do I contact America First Healthcare?
Customers can reach the company through its Orlando office or by scheduling a consultation through its website to discuss health, life, Medicare, or business insurance options.
