American Health Plans

What American Health Plans does

American Health Plans is a privately-held independent insurance agency founded in 2013 and headquartered in Clinton Township, Michigan, operating under the DBA JKAR Insurance Agency (California license OH40207). The company distributes a broad portfolio of health and supplemental insurance products on behalf of major U.S. carriers including Blue Cross Blue Shield, Aetna, Cigna, and United Healthcare, serving individual consumers, families, and small businesses across all 50 states. Its product set spans ACA-compliant major medical, short-term medical, limited/fixed benefit plans, group health, Medicare supplements and Advantage, life, dental, vision, critical illness, accident, self-employed coverage, and a Medshare alternative program.

The business operates as a phone-based inside sales brokerage: customers reach the agency via website inquiries, online scheduling, or a toll-free number (800-353-8870), and licensed agents — structured as independent contractors — guide them through plan selection and enrollment, with policies typically bound within a five-minute call and an insurance card delivered digitally upon completion. The underlying technology consists of a standard insurance brokerage platform with CRM, agent portal, and lead management systems; there are no proprietary software products or APIs disclosed. Marketing is conducted through the company's own website, organic social media presence (Facebook, LinkedIn), and direct response phone channels, with no evidence of paid digital advertising scale or enterprise sales motion.

The company earns revenue through carrier commissions on initial policy sales and on residual renewals, with agents compensated on a commission basis. It has no disclosed funding rounds, no institutional investors, no parent company, no acquisitions, and no patents or regulatory actions on record. With a headcount in the 11-50 range (including a VP of Operations, Senior Medicare Advisor, HR Manager, customer service and verification specialists, and multiple licensed insurance agents), the operation is structured as a small, owner-operated retail brokerage rather than a venture-backed or technology-led insurance platform.

Name

American Health Plans

Legal name

American Health Plans

Website

https://americanhealthplansinsurance.com

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

11–50 employees

Short description

American Health Plans is a privately-held independent insurance agency that distributes health and supplemental insurance products from major carriers to individuals, families, and small businesses across all 50 U.S. states via phone-based inside sales.

Ownership category

akta.pro rank

Product category

Health Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro industry

PRIMARYFSAIAGAH

Medicare Plan Distribution & Brokerage (Captive, Independent, FMOs)

Financial & Insurance/Insurance — Life & Health/Medicare Advantage & Medicare Supplement (Medigap)

SECONDARYFSAIAFAD

Small Group Health Insurance (2–50/100)

Financial & Insurance/Insurance — Life & Health/Group Health Insurance (Employer-Sponsored)

Keywords

• Health insurance brokerage
• Individual health plans
• ACA marketplace plans
• Medicare supplement insurance
• Group health insurance

Headquarters

HQ city

Clinton Township

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D

Revenue model

1. Insurance Sales Commissions: American Health Plans operates as an independent insurance agency earning commissions from insurance carriers when policies are sold and renewed. Agents are independent contractors paid on commission basis with residual income available for ongoing policy renewals.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

American Health Plans (DBA JKAR Insurance Agency) is an independent, multi-carrier health insurance brokerage that sells individual, family, and small-group health and supplemental insurance products from national and regional carriers to U.S. consumers. The agency earns carrier commissions and provides licensed advisory support to help shoppers compare, enroll in, and maintain coverage across Major Medical, ACA, Short-Term, Limited Benefit, Group, Medicare Supplement, Life, Dental, and Vision plans.

Product overview

American Health Plans operates as a health insurance broker offering a comprehensive portfolio of insurance products and services to individuals, families, and small businesses across the United States. The company connects customers with multiple insurance carriers to shop and compare plans. The core product lineup includes Major Medical Health Insurance, Short-Term Major Medical Insurance, Limited/Fixed Benefit Plans, Group Health Insurance, Life Insurance, ACA Plans, Critical Illness Coverage, Accident Coverage, Dental, Vision, Medicare Supplement, Self-Employed Health Insurance, and Medshare Program. The company does not appear to offer a unified software platform; rather, it provides insurance advisory services with agents helping customers select from various carrier products, with supplemental policies available to pair with primary coverage.

Differentiator

Problem solved

Functional benefit

Products and services

• Major Medical Health Insurance

Quantifiable outcome

• Customers can be enrolled within 5 minutes of speaking to an agent
• +1 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Major Insurance Carriers (Blue Cross Blue Shield, Aetna, Cigna, United Healthcare, and others)coreChannel Partner/ Reseller/ DistributorAmerican Health Plans is contracted with most major insurance companies in the industry. This allows them to shop all available plans and assist customers in finding the plan with the right fit at the lowest cost. The company acts as an independent agency distributing these carriers' insurance products to end consumers.

Scale indicators2 records

Recent moves4 records

Expansion highlights5 records

Direct peers

• QuoteWizard (LendingTree): QuoteWizard, owned by LendingTree, is an insurance comparison platform that captures and routes consumer demand to carriers and local agents across multiple lines including health. It is a digital intermediary comparable to AHP's lead-routing function within the multi-carrier distribution model.
• GoHealth: GoHealth is a health insurance marketplace focused heavily on Medicare distribution via its own licensed agents across multiple carriers. Like AHP, it operates an independent agency/brokerage model distributing major carriers' products (including Medicare Supplement and Medicare Advantage) on a commission basis.
• HealthMarkets: HealthMarkets is an independent health insurance agency distributing individual, family, Medicare, small business, and supplemental plans from multiple carriers. Closely matches AHP's multi-carrier, multi-product independent agency model serving individuals, families, and small employers.
• SmartFinancial: SmartFinancial operates an online insurance comparison platform and agency distributing health, life, and ancillary products from multiple carriers. Comparable to AHP as an independent broker/distributor offering phone- and web-driven enrollment in individual and family health plans.
• SelectQuote: SelectQuote is a direct-to-consumer insurance agency selling life, health (including Medicare), and supplemental products from multiple carriers. Comparable to AHP as a multi-line, lead-driven, phone-based insurance distribution agency targeting individual consumers nationally.
• eHealth (HealthCare.com): eHealth is a leading independent online health insurance marketplace and broker selling individual, family, and Medicare plans from multiple carriers. Directly comparable to AHP as a multi-carrier health insurance brokerage targeting individuals and small businesses across the US.

Others

• Humana: Humana is a major Medicare Advantage and individual health carrier whose products AHP distributes via carrier contracts. It is referenced here as an upstream carrier/partner rather than a peer, illustrating the supplier-side relationship AHP depends on.
• Anthem Blue Cross Blue Shield: Anthem is one of the major carriers (BCBS plans) AHP sells through across multiple states. Listed as a key carrier/partner rather than a direct peer, since AHP earns commissions on its products but does not compete with Anthem on underwriting.

Emerging players

• Policygenius (Zillow Group): Policygenius is an online insurance marketplace distributing life, disability, and ancillary products from multiple carriers via a digital-first experience. It overlaps with AHP on life and supplemental lines and competes for the same lead-driven, multi-carrier distribution economics, though it is less dominant in major medical/ACA.

Broad incumbents

• Benefy Inc. (HealthMarkets parent): Benefy is the insurance distribution platform behind HealthMarkets and other independent agency brands, providing back-office, carrier contracting, and lead-generation infrastructure. Comparable to AHP as a parent-of-peer that has scaled the independent health insurance distribution model with significantly greater resources.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat2 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/americanhealthplans
• LinkedInlinkedin.com/company/ahpins
• Xx.com/amhealthplans

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about American Health Plans