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Health Insurance

Coverage designed for real life.

From everyday care to unexpected medical needs, we compare top health & Medicare companies to protect your health, your finances, and your peace of mind.

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Health Insurance from American Insurance
Explore health insurance

Find the right health plan for you

Every situation is different — choose the option that fits, or talk to a licensed advisor.

Individual & Family Plans

Flexible coverage for individuals, couples, and families.

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Medicare (Age 65+)

Guidance through Advantage, Supplement, and Part D.

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Medicaid

Low- or no-cost coverage for those who qualify.

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Prescription Drug Plans

Lower your medication costs, including Part D.

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Short-Term Health

A fast, affordable bridge between plans.

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Vision Insurance

Exams, glasses, and contacts — covered.

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Dental Insurance

Routine and major dental care made affordable.

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Disability Insurance

Income protection if you can’t work.

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Primary Care Memberships

Direct doctor access for a flat monthly fee.

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American Insurance advisor helping a client
Why American Insurance

What you get when you work with us

  • Individual, family, and Medicare plans in one place.
  • Help during open enrollment and qualifying life events.
  • Dental, vision, prescription, and short-term options too.
  • Bilingual, licensed guidance — se habla espanol.
Licensed & Independent Se Habla Espanol
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An advisor explaining health coverage options
You don’t have to figure it out alone

Health insurance can be confusing — it doesn’t have to be

Our licensed advisors will explain your options, answer your questions, and help you choose the plan that’s right for your needs and budget.

We don’t just sell health insurance — we help people navigate the healthcare system. Whether you’re turning 65, losing employer coverage, qualifying for Marketplace subsidies, or simply trying to understand Medicare, we’re here to educate and guide you through the whole process.

  • Plain-language explanations — no jargon, no pressure.
  • We check whether your doctors and prescriptions are covered.
  • Help with subsidies and financial assistance you may qualify for.
  • Free, no-obligation — se habla español.
Find where you fit

Two paths, depending on your age

Health coverage works differently before and after 65. Start with the group you’re in.

Under age 65

Individual, family & Marketplace

Age 65+

Medicare

Life changes

You may be able to enroll right now

Open Enrollment isn’t the only time you can get covered. A qualifying life event usually opens a Special Enrollment Period — often 60 days.

Lost employer coverageLeft a job or your hours changed? You likely qualify.
Got marriedMarriage opens a Special Enrollment Period for you and your spouse.
DivorcedA change in household status can qualify you for new coverage.
MovedA move to a new ZIP code or state may change your plan options.
Had a babyBirth or adoption qualifies — and coverage can be retroactive.
Turning 65Your Medicare enrollment window opens around your 65th birthday.
See if you qualify
Plain English

What all those terms actually mean

Insurance vocabulary shouldn’t be a barrier to good coverage. Here’s the short version.

PPOMore flexibility to see specialists and out-of-network doctors, usually at a higher premium. No referral needed.
HMOLower cost, but you choose a primary care doctor and stay in-network. Referrals are usually required for specialists.
EPOA middle ground — no referrals needed, but you must stay in-network except in emergencies.
DeductibleWhat you pay out of pocket before the plan starts sharing costs. Lower deductible usually means a higher premium.
CopayA flat amount you pay for a service — for example, $30 for an office visit.
CoinsuranceYour percentage share of a cost after the deductible — for example, you pay 20% and the plan pays 80%.
Out-of-pocket maximumThe most you’ll pay in a year for covered services. After that, the plan pays 100%.
PremiumWhat you pay each month to keep the plan active, whether or not you use it.
Good to know

Common questions

When can I enroll?
Open Enrollment is the main window each year, but a qualifying life event — losing coverage, moving, marriage, a baby, or turning 65 — usually opens a Special Enrollment Period of about 60 days. Call us and we’ll tell you exactly where you stand.
Can I change plans outside Open Enrollment?
Yes, if you have a qualifying life event. Medicare has its own enrollment periods as well. We’ll check your eligibility at no cost.
Do I qualify for financial assistance?
Many people do and don’t realize it. Marketplace subsidies are based on household income and size. We’ll run the numbers with you and show you what you’d actually pay.
What’s the difference between Medicare and Medicaid?
Medicare is federal health coverage primarily for people 65+ and certain younger people with disabilities. Medicaid is state-administered coverage based on income and household situation. Some people qualify for both.
Which health insurance plan is right for me?
It depends on your doctors, prescriptions, expected care, and budget. That’s exactly the conversation we have with you — we compare options side by side and explain the trade-offs in plain language.
Can I keep my doctor?
Often, yes — but it depends on the plan’s network. Tell us who your doctors are and we’ll check before you enroll, not after.
Are my prescriptions covered?
Every plan has a formulary (its list of covered drugs) and tiers that affect your cost. Send us your prescription list and we’ll compare what each plan would actually cost you.

Ready for coverage that fits your life?

Get a free, no-obligation quote in minutes — or talk to a licensed advisor today.

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Schedule A Call With A Licensed Advisor

Pick a time that works for you — free, no obligation.

Raiza SpencerDaniela IrahetaJanalyn LievanoKarla Lievano
Advisors Available Now
You’ll speak with Raiza, Daniela, Janalyn or Karla — licensed advisors, not a call center.
  • Takes about 60 seconds
  • No obligation
  • Licensed advisor
  • We compare multiple companies

Prefer to talk now? Call (801) 531-2060.

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