AmeriPlan Review (2026): Can You Earn Selling Health Savings Memberships?
On This Page
- AmeriPlan in One Minute
- How Benefit Consultants Earn
- Break-Even Math
- Recruiting
- Questions to Ask
- Alternatives
- What Members Should Know
- Is AmeriPlan Legit?
- Pros and Cons
- Who It Might Suit
- Our #1 Recommendation for Making Money Online in 2026
- Other Reviews Readers Compare
- Frequently Asked Questions
- Our Verdict on AmeriPlan
AmeriPlan in One Minute
AmeriPlan sells healthcare savings memberships for dental, vision, prescriptions, telehealth and more. Its website states clearly that its memberships are not insurance. Plans are Basic at $19.95, Deluxe at $39.95 and Elite at $89.95 a month per household, plus a one-time $20 registration fee.
It also recruits Benefit Consultants who sell memberships. Starting costs a $60 training fee plus a required membership: $99.95 to start with Deluxe or $149.95 with Elite, then the monthly membership fee.
| Company | AmeriPlan |
|---|---|
| Products | Healthcare savings memberships (not insurance) |
| Member plans | $19.95, $39.95, $89.95 a month |
| Consultant start | $60 training fee + required membership |
| Start total | $99.95 (Deluxe) or $149.95 (Elite) |
| Commission | 25% of members' monthly fees (per its site) |
| Bonuses | $20 per new member; $60 per consultant enrolled |
How Benefit Consultants Earn
According to its opportunity page, consultants earn a $20 training bonus for each new member plus 25% of what members pay each month for as long as they stay. They earn $60 for each consultant they personally enroll, and "generation pay" on their wider group once qualified. AmeriPlan states that income isn't guaranteed.
Break-Even Math
A consultant on the Elite membership pays $89.95 a month. At 25%, that takes about 18 Basic members, 9 Deluxe members or 4 Elite members just to cover the consultant's own membership, before counting enrollment bonuses.
Recruiting
Pay for enrolling other consultants and generation pay on your group make it a multi-level structure. The FTC explains what to watch for in its guide to MLMs and pyramid schemes, and its 2024 staff report found that most MLM participants earn little.
Questions to Ask
- How many consultants earn more than their membership cost?
- What share of income comes from recruiting versus member sales?
- How long do members typically stay?
Alternatives
To build income you control without a required monthly membership, start a simple online business with free tools like Systeme.io.
What Members Should Know
If you're considering an AmeriPlan membership rather than the business, compare it with your actual healthcare costs. Discount memberships give reduced prices at participating providers, so the value depends on whether your dentist, eye doctor and pharmacy participate and how often you use them. They don't replace health insurance, which pays claims and limits your costs for major care. Check the provider search before joining, read the cancellation terms, and remember the one-time $20 registration fee on top of the monthly price.
Is AmeriPlan Legit?
It's a real company that clearly discloses its memberships aren't insurance and publishes its start costs and commission rates. The business opportunity requires you to keep paying for a membership while you build.
Pros and Cons
What Stands Out
- Published prices and commission rate
- Residual 25% commissions
- Low $60 training fee
- Clear "not insurance" disclosure
What to Weigh Up
- Required monthly membership
- Many members needed to break even
- Multi-level recruiting pay
- Income not guaranteed
Who It Might Suit
People with large networks interested in healthcare savings products.
Our #1 Recommendation for Making Money Online in 2026
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After comparing hundreds of programs over the years, we know what works and what doesn't. In fact, most of the business opportunities are either instant cash grab schemes or scams or they require experience. However, this beginner-friendly system stood out and is our #1 recommendation for 2026.
Other Reviews Readers Compare
Frequently Asked Questions
Is AmeriPlan Insurance?
No. Its site says the memberships are not insurance.
How Much Does It Cost to Join as a Consultant?
$60 plus a required membership: $99.95 or $149.95 to start.
How Much Do Consultants Earn?
25% of members' monthly fees plus bonuses; income isn't guaranteed.
Is AmeriPlan an MLM?
It pays on recruiting and group sales, a multi-level structure.
Our Verdict on AmeriPlan
Transparent pricing, but the required membership makes breaking even harder. Do the math first.
Looking for a Better Starting Point Than AmeriPlan?
Consider our #1 recommendation for making money online in 2026.