Licensed · Veteran-Owned · Nationwide

Coverage built around your family, not a spreadsheet.

We're licensed, veteran-led agents who compare every major carrier for you — so you keep your doctors, maximize your subsidy, and pay nothing for the help. No bots. No bait-and-switch.

Start my free quote See what's included
State-licensed
$0 to you
Enroll in under 15 min
AmeriShield
Plan intelligence, 2026
Avg. family savings $2,412/ yr ↑ verified by client data
Carriers compared 40+ — one conversation
Client satisfaction 4.9/5 verified reviews

Plans from America's leading carriers

UnitedHealthcare
Anthem
Aetna
Cigna
Humana
Blue Cross Blue Shield
Kaiser Permanente
Oscar Health
Molina Healthcare
Ambetter
Carelon
Medica
$000

Zero cost to you

Our agents are compensated by carriers, not by you. Consultations, plan comparison, and enrollment are 100% free.

15min

Enrollment, start to finish

Licensed humans. Real phone calls. Most clients are reviewed, quoted, and enrolled in a single conversation.

40+

Carriers on every quote

Instead of pitching one plan, we compare the whole market — so the plan you choose is the one that truly fits.

What's included

Advocates for your family — every step.

When you work with AmeriShield, you're assigned a licensed agent who works for you, not the carrier. Here's what that actually looks like.

$0/month to work with us

A personal advocate. Zero cost.

No hourly rates. No consulting fees. Your dedicated agent compares plans, handles paperwork, navigates subsidies, and stays with you all year — without charging you a dime.

Truly free, always

Keep the doctors you trust.

We verify networks before recommending a plan — so your pediatrician, specialist, therapist, and pharmacy all stay exactly where they are.

Networks checked in advance

Lower premiums.

Because we shop the full marketplace, we routinely cut client premiums by 30–50%.

Subsidy check.

Most Americans qualify for ACA tax credits — we find every dollar you're entitled to.

Nationwide.

Licensed in states across the country. Wherever you move, we move with you.

Plans tailored to your life.

We review your medications, procedures, family size, and budget before recommending anything. No spray-and-pray — just a plan designed around what you actually use.

Personalized to your family

Year-round. Not one-and-done.

Billing confusion? Claim denied? Life event? Your agent is reachable all year. The relationship doesn't end at enrollment — it begins there.

Ongoing support
The process

Enrolled in a single conversation.

No forms to puzzle over. No fine print to decode. One call with a licensed agent takes you from "I need coverage" to "I'm covered."

01

Tell us about you.

A few basics — zip code, household size, budget, doctors you want to keep, medications you're on. Five minutes, nothing more.

Free · 5 min
02

We find the matches.

Your agent compares the full marketplace, runs your subsidy eligibility, and presents only the plans worth your attention — in plain English.

No obligation
03

Choose. Covered.

Pick the plan that fits. We handle the paperwork, submit the application, and stay with you year-round for claims, changes, and questions.

Covered · Protected
Talk to an agent now See what's included
Stories, in their words

Families who finally got answered.

These are the moments our agents get on the phone with — the ones that rarely make it into a sales brochure.

★★★★★

When my husband passed unexpectedly, I was drowning — not just in grief, but in medical bills he left behind. Maria didn't just find me a plan. She sat on the phone with me while I cried, walked through every option, and made sure I was covered before the next bill came.

Linda M.
Tampa, FL
Saved
$4,200/yr
★★★★★

Our 8-year-old was diagnosed with Type 1 diabetes last spring — the insulin alone was going to bankrupt us. AmeriShield found us a plan that covered her endocrinologist, her pump, and every supply. For the first time since the diagnosis, we could breathe again.

James & Rachel T.
Phoenix, AZ
Full pediatric
coverage
★★★★★

I'm a single mom working two jobs. I always thought insurance was something I couldn't afford. They found out I qualified for a subsidy I didn't even know existed. Now my kids and I all have real coverage. I cried when I got my insurance card in the mail.

Destiny R.
Atlanta, GA
$0/month
premium
★★★★★

Twenty-two years in the Army, and I came home with injuries the VA couldn't treat fast enough. My AmeriShield agent got me on a plan within a week — specialist that same month. He didn't treat me like a number. He treated me like a brother.

Marcus W.
San Antonio, TX
Specialist in
2 weeks
★★★★★

They found the tumor at a routine check-up I almost skipped. When "stage 2 breast cancer" came back, my world stopped. My agent David didn't. He made sure my plan covered my oncologist, chemo, reconstruction. He called me every week to check in. Not as an agent — as a human being.

Patricia N.
Charlotte, NC
Full cancer
treatment
★★★★★

We're both retired on Social Security. My husband needed a knee replacement for years, but we kept putting it off because we were afraid of the cost. AmeriShield found us a Medicare Advantage plan that covered the surgery with almost nothing out of pocket. Watching him walk without a cane for the first time in five years — I can't put that into words.

Gloria & Robert S.
Scottsdale, AZ
$127 OOP
for surgery
Why coverage matters

The risks you face without the right plan.

Life doesn't wait for open enrollment. One diagnosis, one ER visit, one accident can reorder a household's finances for a decade. Coverage is what keeps a difficult year from becoming a permanent setback. An AmeriShield agent can help you close those gaps before you need to.

39%
Lifetime cancer risk
Of Americans will be diagnosed with cancer at some point. The right plan turns "treatment" into "covered" rather than "catastrophic."
155M
Annual ER visits
In the U.S. each year. AmeriShield ensures those visits are covered so one trip doesn't become a financial emergency.
#1
Cause of death
Heart disease. Ongoing cardiac care is expensive — proper coverage keeps you in treatment, not in debt.
50%+
Adults with chronic conditions
Ongoing care, prescriptions, specialists. We find plans that cover the actual care you need.
66%
Of personal bankruptcies
Are tied to medical expenses. Proper coverage is a financial shield, not a luxury.
18%
Premium rise, 2026
ACA enhanced subsidies are expiring and marketplace premiums are climbing. Now's the time to re-shop.
1/3
Adults delay care
Because of cost. The right plan removes that barrier — so you go in before the problem gets worse.
∞
Get reviewed
A free plan review takes 5 minutes and could reshape the next decade of your family's finances.
Review my plan
The real numbers

What you could owe without the right plan in 2026.

About two-thirds of personal bankruptcies in America are tied to medical expenses. With enhanced subsidies expiring and premiums climbing roughly 18% nationally in 2026, the right coverage has never mattered more. Here's what's on the line.

$30K+

The average 3-day hospital stay.

That's what you could owe without adequate coverage. Hospital costs have nearly doubled since 2004 — one unplanned admission can erase years of savings.

Fracture treatment
$5,000+
A broken bone
Average cost of treating a fracture without insurance. Surgical cases can exceed $16,000.
Single ER visit
$2,700+
Walking through the door
Average emergency room cost in the U.S., based on 2.5 billion claims — before any treatment.
Childbirth
$13–15K
Vaginal delivery
Without insurance. C-sections average $22,000–$26,000 or more.
Cancer care
$150K+
Treatment total
Annual chemotherapy alone can range from $6,000 to over $100,000.
2026 deductible
$5,300+
Silver plan average
Bronze plans run $7,100+. Even the insured face large out-of-pocket costs without the right plan.

You don't have to face this alone.

An AmeriShield agent finds plans that shield you from these costs — completely free to start.

Get my free quote
Don't wait for the bill. Get protected before it arrives.
Find my best plan — free
Know your options

HMO, PPO, Private, ACA — decoded.

You don't need to memorize acronyms. You need someone who'll translate them against your actual situation. Here's the map. Your agent draws the line.

Plan type · 01

HMO

Health Maintenance Organization

Requires a primary care doctor and referrals for specialists. Lower premiums and out-of-pocket costs, limited to in-network providers except in emergencies.

  • Lower cost
  • Referrals required
  • In-network only
Plan type · 02

PPO

Preferred Provider Organization

See specialists without referrals. Visit out-of-network providers at higher cost. More flexibility than an HMO, typically with higher premiums.

  • More flexibility
  • No referrals needed
  • Higher premiums
Plan type · 03

Private

Direct or employer-based

Purchased from an insurer or through an employer — not through a government marketplace. Costs and benefits vary widely; ACA-compliant plans follow federal rules.

  • Varies widely
  • Employer or direct
  • ACA rules apply
Plan type · 04

ACA

Marketplace (a.k.a. "Obamacare")

Plans sold through federal or state marketplaces. Must cover essential health benefits, can't deny pre-existing conditions, and many qualify for income-based subsidies.

  • Marketplace
  • Subsidies available
  • Pre-existing OK
Not sure which fits? An AmeriShield agent walks you through it — free.
★ Veteran Owned & Operated

Service, still.

AmeriShield was founded by veterans who understand what it means to serve. We bring the same discipline, integrity, and obligation-to-others that we learned in uniform to every family we work with.

When you work with AmeriShield, you're working with people trained to put the mission — your family's wellbeing — first.

Service before self.

Military values applied to insurance: your family's wellbeing comes before a commission, every time.

Trust & integrity.

Honest guidance, not a sales script. If a cheaper plan is the right plan, it's the one we recommend.

Community first.

Fellow veterans, military families, every American who needs an advocate in a system that rarely reads like one.

One 15-minute conversation.
A decade of peace of mind.

Tap below, tell our team what matters to your family, and let us do the comparing. No phone dial, no form field, no obligation.

Chat with a licensed agent 954.588.5128
Licensed in 30+ states · Veteran-owned
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