America First Healthcare is an insurance agency, not an insurer: third-party carriers issue the policies and pay insurance claims. Its own site reports strong ratings on some review platforms, while BBB posts include both praise and complaints about coverage explanations, bundled products and follow-up contact. Those reviews can help you assess customer-service experiences, but they cannot establish whether a particular product will cover your care or pay a claim. Before enrolling, verify the agent, carrier, exact policy or membership documents, costs and network.
What America First Healthcare is—and is not
The company describes itself as an independent insurance agency headquartered in Orlando, Florida. It says it compares health, life and Medicare options from carriers with which it is appointed. It also identifies Jordan Sarmiento as its founder and CEO. These are company disclosures, not independent confirmation of every current carrier appointment or agent license.
The agency says third-party carriers set rates and terms, issue insurance policies and pay claims. That distinction matters: a favorable experience with an advisor is not the same as a guarantee about a carrier’s coverage decision or claims handling.
America First Healthcare advertises a free, scheduled 15-minute review with a licensed advisor. Its Security & Compliance page states that an $80 non-refundable application fee applies to each application submitted through the company; it says insurance premiums go to carriers and premium refund requests must be made to the carrier. The fee information was stated on that page accessed October 4, 2026. Ask for all charges and refund terms in writing before submitting an application.
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What the available reviews say
On its Reviews page, America First Healthcare reports a Trustpilot rating of 4.9 out of 5 from 785 reviews, saying the rating is read live and refreshed every six hours. It reports a Google rating of 4.6 out of 5 from 357 reviews and a Yelp rating of 3.3 out of 5 from seven reviews, both as of September 14, 2026. Ratings and counts can change, and the Yelp figure comes from a small sample. The company says invitations follow an appointment and that it does not pay, gate or filter invitations; that is the company’s description of its review process, not an independently audited methodology.
Positive BBB reviews describe advisors as patient, responsive and helpful with comparing options or navigating enrollment. For example, Alison D’s September 4, 2026 review praised two advisors for being respectful and answering questions. One testimonial is an individual account, not evidence that every customer receives the same service.
Critical BBB accounts include consumers’ claims of confusion about coverage, dissatisfaction with bundled products or sales explanations, and repeated calls or texts. One consumer described a health-sharing arrangement as not being insurance and said their coverage questions were not answered to their satisfaction. Some business responses dispute consumers’ characterizations, describe products as disclosed, or invite complainants to provide documentation; at least one consumer said they recovered funds after the process. These are accounts and responses by the respective authors, not regulator findings or independently established conclusions about every sale. The agency’s own site also acknowledges critical reviews involving pre-existing conditions, coverage narrower than a Marketplace plan, and calls or texts.
The ratings measure public platform reviews; they do not show a claim-adjustment audit or establish a company-wide complaint rate. A review may tell you something about an individual’s service experience, but it cannot answer whether your specific policy will pay for a treatment.
Why the exact product matters
Products presented by an agency can differ substantially in what they cover and how payment works. America First Healthcare says some offerings are private plans outside the ACA Marketplace and some are health-sharing programs that are not insurance. It says non-Marketplace plans may be medically underwritten, may decline applicants or exclude conditions, and are not required to cover Marketplace essential health benefits. Do not treat a health-sharing membership as insurance or assume a network logo means the product provides comprehensive coverage.
Marketplace plans
HealthCare.gov says Marketplace plans must cover ten essential health benefit categories: outpatient services; emergency services; hospitalization; maternity and newborn care; mental health and substance-use treatment; prescription drugs; rehabilitative services and devices; laboratory services; preventive services; and pediatric services. Marketplace plans must cover pre-existing conditions: they cannot reject an applicant, charge more or refuse essential health benefits because of such a condition.
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Non-Marketplace products and health sharing
Those Marketplace requirements do not automatically apply to every product shown by the agency. For any option outside the Marketplace, read the actual policy or membership documents for exclusions, pre-existing-condition rules, waiting periods, benefit limits and payment obligations. For a health-sharing program, read the membership guidelines and do not assume that eligible expenses will be paid as a guaranteed insurance claim.
How to check whether the service and offer are right for you
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Verify the advisor
Ask for the advisor’s full legal name and insurance license number. Check the license through NIPR’s licensing resources or the relevant state regulator; NIPR says state regulators issue licenses.
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Identify the carrier and product
Ask which company will issue the policy, the exact product name, and for the policy or certificate document. Confirm whether the option is insurance or a non-insurance membership, and who is responsible for paying benefits or claims.
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Read the written terms for costly care
Compare benefits, exclusions, waiting periods, pre-existing-condition terms, prescription coverage, maternity and mental-health coverage, claim procedures, and annual or lifetime caps. Ask in writing how a costly hospitalization would be handled. For a sharing program, ask what the membership guidelines say about the same situation.
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Confirm the provider network
Get the precise network name and search the carrier’s own provider directory. The agency advises calling the doctor’s office to verify participation in that specific network because directories can lag. Confirm with the provider before enrolling or receiving care.
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Compare total costs, not just the monthly premium
Include deductibles, copayments, coinsurance, exclusions, separate product premiums and any application fee. Ask which charges go to which carrier and whether any fee is refundable. Compare what you might pay in both a low-use and a high-use year.
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Check Marketplace eligibility before choosing an outside option
If you may qualify for Marketplace coverage or a subsidy, compare options through HealthCare.gov or your official state Marketplace. Marketplace benefits and protections can differ materially from non-Marketplace products.
Marketplace premium rules are not universal
HealthCare.gov lists five factors that may affect Marketplace premiums: location, age, tobacco use, plan category and whether dependents are covered. For Marketplace plans, health, medical history and sex cannot affect premiums. Those rules should not be generalized to every non-Marketplace product the agency may present; the agency says those options can vary by applicant and state.
What to get in writing before you enroll
- The agent’s full name and license number.
- The carrier, exact product name, and complete policy, certificate or membership documents.
- Whether the offer is insurance or a non-insurance sharing arrangement.
- A written explanation of benefits, exclusions, waiting periods, pre-existing-condition terms, claim or payment rules, and any caps.
- The exact network name and confirmation that your doctors and facilities participate.
- A complete cost breakdown, including premiums, cost-sharing, separate product charges and any application fee.
These records let you evaluate the actual offer rather than relying on a platform rating or a verbal summary.
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Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
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