Stop Overpaying For Health Insurance!

Affordable Plans,
Customized To Your Needs

Health insurance that puts your family first
+ up to 48% LOWER premiums

get a quote on health insurance that makes doctors happy
Patient Advocacy support for health insurance customers
Health Insurance for individuals and families

Smart Benefits
With Year-Round Support

Thousands of families, teachers, freelancers, and business owners are using
this affordable health plan to get better coverage—at a price that makes sense.

$0 Copays

Leave your cash at home!

You can enjoy $0 copays when visiting the doctor, specialist, urgent care, and MORE.

No Outpatient Deductible

Start using benefits like dr visits or urgent care day 1 - with NO deductible.

The only time a deductible applies is if you're in the hospital for more than 24 hours—and even then, you choose the deductible that fits your budget upfront so there are no surprises later.

Nationwide PPO Network

With access to one of the largest PPO networks in the country our members have no trouble finding doctors - in fact, your doctor is probably already in-network! 

Easy to use

Simply show your card and see your doctor - no copay, no hassle. 

US-Based Support

Real people. Real help.
You’re never alone here.

Our Patient Advocates are experts in medical billing and insurance. From finding doctors to pre-pricing procedures to filing claims and even negotiating surprise bills—they’re just a phone call away.

Customizable Plans

Flexible plans that put you in control.

Whether you're covering a family, spouse, child, employee, or just yourself, you'll have the flexibility to build a plan around your needs and budget!

Real People. Real Protection.

When David* was diagnosed with cancer, he braced for the worst—not just medically, but financially. The treatments came quickly, and so did the bills.

But with the help of his affordable health plan,
what followed wasn’t panic—it was relief:

His benefits kicked in right away

He was able to get the treatment he needed, when he needed it. 

His provider was paid directly

Florida Cancer Specialists billed David's plan $356.54 for his treatment. (pictured)

He received a check for the difference

David's plan has $2,250 of coverage for radiation treatment, so his plan paid Florida Cancer Specialists their $356.54 and sent David a check for the remaining $1,893.46 (pictured)

David will get a check like that every day he goes in for treatment, up to his calendar year max, and he is free to spend those checks however he needs too.

(*Name and identifying details changed for privacy.)

Margaret,* Texas Teacher - Saved Over $7,000/year!
"I was paying over $1,299/month through my TRS plan just to keep my family insured. Even with a raise, it felt impossible to keep up. The deductible was more than my emergency fund.

I spoke with a licensed agent who showed me how I could stay on my TRS plan for about $19/month—and move my husband and kids to a more affordable private plan.

That one change saved us over $650/month—more than $7,000 a year back in our pocket."

(*Name and identifying details changed for privacy.)

Is this plan right for you?

Find out today by following these steps:

Step 1
Request Your Free Quote
No spam—Your quote will be sent to your inbox & just one licensed agent will reach out to answer your questions.
Step 2
Compare & Customize
We’ll walk you through smart strategies to save money & boost your benefits.
Step 3
Start Using Benefits Day 1
Many of your private plan benefits kick-in day one - like Doctors visits, urgent care, and more!
Private Health Insurance that sends you a check - American Ally
American Ally patient advocates support using your health insurance
American Ally agents help you get the most out of your health insurance

We Handle the System,
So You Can Focus on Healing

Our US-based Patient Advocates are medical billing experts and they are available year-round to take the stress out of care—handling the details so you can focus on getting better.

Patient Advocacy is a voluntary membership and not an insurance product. 

Pre-price care

Our advocacy team can shop the cost of your health care for you and present fairly-priced options within your benefits.

Negotiate Bills

Never worry about surprise bills again! Our experts can review your bill and negotiate with providers on your behalf.

File Claims

Our advocacy team handles the claims process for you, so you can get reimbursed sooner.

Find Doctors

Just let our team know what kind of doctor you need and they'll do the digging for you to find primary care, specialists, facilities, and more!

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Your Guide to Affordable Health Insurance & Patient Advocacy