Protect Your American Dream.
Ditch Overpriced Government Health Insurance.
If you're under 65, healthy, and paying full-price ACA premiums — there are better private options. We find them for you for free.
Broker
Service
Provider
Potentially Save Significantly
vs ACA Plans
100% Independent
Working for you, not carriers
National Producer Number
NPN: 17822144
Licensed Nationwide
Verifiable on NAIC database
Most Health Insurance Plans Are Full of Holes
If you make too much money to qualify for government subsidies, the Affordable Care Act (Obamacare) is punishing your success with skyrocketing premiums for coverage you can barely use.
High ACA Deductibles
You're paying massive monthly premiums, but your insurance doesn't even kick in until you hit a $8,000+ deductible.
Paying for Unused Benefits
Government plans force you to pay for maternity care, substance abuse treatment, and other coverages you may never use.
One-Size-Fits-All Approach
You're subsidizing the costs of sicker individuals because ACA plans cannot underwrite based on health status.
Understanding Your Coverage Options
We break down the four main "buckets" of health coverage so you can make an informed decision about what's best for your health and budget.
ACA & ACA Alternatives
Pros
- Covers 10 essential health benefits including preventive and maternity care
- Allows pre-existing conditions
- Recognizable brand names
- Covers catastrophic claims
Cons
- Very expensive especially for higher income earners
- Requires out-of-pocket dollars first through deductibles and copays
- Limited options
- Network restrictions
Short Term Medical (STM)
Pros
- Less expensive than ACA plans
- Familiar structure similar to ACA plans
- Effective bridge coverage for gaps in insurance
- Variety of carrier and plan options
- Many plans now offer terms up to 12 months
Cons
- Not available in all states
- Must re-qualify based on health each term
- Deductibles may reset each term depending on the plan
- Availability and terms vary by state and carrier
- Uncertain legislative future
Health Sharing Ministry
Pros
- Has the look and feel of ACA coverage
- More affordable than ACA
- Sense of community and faith-based values
- Variety of carriers and plans
Cons
- Health sharing, not insurance
- Claim coverage not guaranteed
- Must qualify based on health and lifestyle
- Pre-existing condition periods of 2-3 years
Defined Benefit Plan (Indemnity)
Pros
- Pays first dollar benefits with no deductible
- Affordable and stable premiums
- Great flexibility in choosing doctors
- Excess indemnity paid back to you
Cons
- Need to be in fairly good health
- Pre-existing condition period of 12 months
- Structure is unfamiliar to some
- Customer needs to be active in their healthcare decisions
- Carrier selection is critical
Plan features, availability, and terms vary by carrier and state. The information above reflects common plan characteristics and is intended as a general overview. Individual plans may differ. Contact us for a personalized review of your specific options.
Not sure which plan is right for you?
Take our quick 4-step quiz to find the best match for your situation, or download our free Plan Comparison Guide to review later.
Who We Serve Best
Our private market strategies aren't for everyone. They are specifically designed for working Americans who find themselves underserved and overcharged by the current healthcare system.
Higher Income Earners
Making too much for ACA subsidies
If you earn over the subsidy threshold, you're paying full retail price for ACA plans. We help you escape the subsidy trap and find private plans that offer better value for your dollar without overpaying.
Healthy Individuals & Families
Paying for care you don't use
Why pay sky-high premiums for comprehensive coverage you rarely use? If you're generally healthy, medically underwritten plans reward your good health with premiums up to 40% lower than ACA options.
Self-Employed & Business Owners
Buying coverage on your own
Without an employer subsidizing your premiums, the cost of health insurance falls entirely on you. We specialize in finding tax-advantaged, affordable health solutions for entrepreneurs and freelancers.
Groups & Small Businesses
OFFERING BENEFITS WITHOUT BREAKING THE BUDGET
We help business owners offer competitive group health insurance and employee benefits — including group health, dental, vision, life, and disability — at rates that make sense for small and growing teams.
ACA vs. Private Alternatives
See why healthy individuals are leaving the marketplace for better private options.
Rob Reisdorf
Founder, American Health Coverage
Licensed Insurance Broker — NPN: 17822144
We Work For You,
Not The Insurance Companies.
After more than a decade in the insurance industry, I kept seeing the same story play out. Hard-working Americans — business owners, contractors, families — doing everything right, earning a good living, and getting absolutely crushed by a health insurance system that rewarded dependency over responsibility. I started American Health Coverage because I believed there was a better way. There is.
As a fully independent brokerage, we have no quota to fill and no carrier to protect. We work with multiple top-rated carriers to find what genuinely works for your health and your budget — and we answer to you alone.
My wife Sara brings something most brokers simply can't offer. As a licensed pharmacist, she assists with operations and helps our clients navigate prescription costs and identify savings on medications — ensuring the plan we recommend actually performs in the real world.
Comprehensive Protection
Beyond health coverage, we help secure your entire financial future with specialized insurance products.
Health Insurance Under 65
Private market ACA alternatives, short-term medical, and health share plans tailored for individuals, families, and the self-employed.
Life Insurance
Term and whole life insurance policies to ensure your family's financial future is secure, no matter what happens.
Mortgage Protection
Specialized life insurance designed specifically to pay off your mortgage so your family never loses their home.
Group Health & Employee Benefits
We help small and growing businesses build competitive benefits packages — group health insurance, dental, vision, life, and disability — giving you the tools to attract and retain great people without overpaying.
Long-Term Care Insurance
Protection for assisted living, nursing home care, and in-home care costs — so a health event doesn't wipe out a lifetime of hard-earned savings.
Short & Long-Term Disability
Income replacement coverage that kicks in when injury or illness takes you out of work — protecting the paycheck your family depends on.
Critical Illness Insurance
A lump-sum cash payment upon diagnosis of a covered condition like cancer, heart attack, or stroke — so you can focus on recovery, not bills.
Trusted by Hard-Working Americans
Don't just take our word for it. See why our clients rate us 5 stars across the web.
"Rob really helped me navigate and understand the various options available — both on the marketplace and some alternatives. Super happy with my experience. I wouldn't hesitate to recommend him to anyone looking for health coverage."
"Rob is top-notch when it comes to finding health insurance. He leaves no stone unturned and looks for the perfect solution, always keeping cost in mind. Don't waste your time going anywhere else — let Rob do all the work."
"As a self-employed business owner I had no idea where to start with health insurance. Rob walked me through every option, explained everything clearly, and found me a plan that saved me hundreds a month compared to what I was paying on the marketplace. Genuinely impressed."
Frequently Asked Questions
Straight answers to your most common questions about private health coverage.
Latest Health Insurance Insights
Stay informed with our latest tips, news, and guides on finding the right coverage.
How to Choose Between ACA and Private Health Insurance
Discover the key differences between marketplace plans and private alternatives to find what fits your family best.
Read Article →What Are Health Share Plans and How Do They Work?
A complete breakdown of health sharing ministries, their pros, cons, and if they make sense for your situation.
Read Article →Affordable Benefits Packages for Small Businesses
Learn how to attract and retain top talent with group health benefits that won't break your budget.
Read Article →Schedule Your Free Insurance Review
Take the first step toward better coverage and lower premiums. Fill out the form, and we'll reach out to discuss your options.
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941-465-8097