Licensed Agents · 49 States · No Obligation
Coverage chosen with you,
not sold at you.
We are an independent agency. Tell us your ZIP code, who needs covering, and your budget. A licensed agent brings back the options that genuinely fit.
- Licensed Agency
- 49 States
- No Cost to Compare
- No Obligation
Coverage Options
What we can shop for you.
Short-Term
Short-Term Medical
Temporary coverage designed for gaps between other plans. Not ACA-compliant, and it may exclude pre-existing conditions.
- Built for coverage gaps, job changes, and waiting periods
- Coverage lengths and renewals vary by state
- Lower premiums than comprehensive plans, with narrower benefits
Cash Benefits
Fixed Indemnity
Pays a set cash amount per covered service or event, paid to you rather than to the provider. Supplemental coverage, not a replacement for major medical.
- Benefits paid directly to you as a fixed amount
- Often paired with an existing health plan
- Helps offset out-of-pocket costs like deductibles and copays
Supplemental
Dental, Vision & Hearing
Standalone coverage for services most major medical plans exclude or limit for adults.
- Routine and major dental services, depending on the plan
- Vision exams and hardware allowances
- Hearing exams and hearing-aid benefits on select plans
Comprehensive
Major Medical (ACA)
ACA-compliant comprehensive coverage. Includes the ten essential health benefits and cannot deny coverage or charge more for pre-existing conditions.
- Covers essential health benefits including hospitalization and prescriptions
- No pre-existing condition exclusions
- Income-based subsidies may be available through the Marketplace
See what is available where you live.
One conversation, the options that apply to you, and no pressure to take any of them.
Free · No obligation · Mon–Fri 9am–7pm ET
Why Alliance 1 Health
No house plan. No quota steering the answer.
As an independent agency licensed in every state except Washington, we are paid the same whichever carrier you choose, so the recommendation can just be the right one.
We compare, then explain
You get the options available in your ZIP code with the tradeoffs spelled out: deductible against premium, network against freedom of choice. All in plain language, not insurance jargon.
A licensed agent, on the phone
Not a chatbot and not a lead form that disappears. The person who reviews your situation is licensed in your state and will tell you when a cheaper plan is the wrong call.
Free to compare, always
Carriers pay us a commission only if you enroll. The same plan costs you the same whether you come through us or go direct, so there is no premium for the help.
Common Questions
The things people ask us first.
What is the difference between Major Medical and a short-term plan?
Major Medical is ACA-compliant: it covers the ten essential health benefits and cannot deny you coverage or charge more for a pre-existing condition. A short-term plan is temporary coverage meant for gaps between other plans. It typically costs less, but it is not ACA-compliant and may exclude pre-existing conditions. Which one fits depends on your situation, and a licensed agent will walk through both with you.
Does it cost anything to compare plans through Alliance 1 Health?
No. Comparing plans through Alliance 1 Health is free. As a licensed agency we are compensated by the carrier when you enroll, not by you, and you will not pay more for the same plan by going through us than by going direct.
How long does enrollment take?
Most applications are completed during or shortly after your consultation call. Effective dates depend on the carrier, the plan type, and when you apply. Your agent will confirm the specific timeline for the plan you choose.
What if I have a pre-existing condition?
ACA-compliant Major Medical plans cannot deny coverage or charge you more because of a pre-existing condition. Other plan types, including short-term medical, may exclude them. Tell your agent about any conditions, medications, or doctors you want covered so they can steer you toward plans that will actually work for you.
Where are you licensed?
Alliance 1 Health LLC is a licensed insurance agency operating in every state except Washington. Plan availability varies by state and by ZIP code, and your agent will only quote plans available where you live.
What information do I need for the consultation?
To start, just your ZIP code, household size, and approximate household income. It also helps to have a list of any doctors or prescriptions you want covered. You do not need to provide a Social Security number to get a quote.
Still have questions? Call (844) 863-8652. A licensed agent answers, not a bot.
No Obligation
Three questions to start.
It takes about 30 seconds. A licensed agent follows up with the options that apply to you. No spam, no pressure.
- 1Tell us your ZIP code, household size, and income
- 2We compare the plans available in every state except Washington
- 3A licensed agent explains your best options in plain language
Step 1 of 2
Start with your ZIP code.
Licensed agents, no obligation. Plan availability varies by state.
Free · No obligation · Mon–Fri 9am–7pm ET