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Is Pan-American Life Insurance Company licensed to do business in my state?

Pan-American Life Insurance Company ("PALIG") is authorized to do business in all U.S. states except New York.

PALIG also licensed to do business within the United States in the District of Columbia, Puerto Rico, the U.S. Virgin Islands, and Guam.

Please note that the Atlas Direct insurance product is not available in all of the states and regions in which PALIG is authorized to do business. For a complete list of the states and jurisdictions where Atlas Direct insurance is currently available, please click here.

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The insurance policy advertised on this website offers limited health benefit coverage and is a supplement to, rather than a replacement for, comprehensive major medical insurance coverage. It is designed to provide benefits at preselected, fixed dollar amounts for covered diagnoses. This limited benefit coverage does not satisfy the minimum essential coverage requirements of the Affordable Care Act. Coverage is not available to insureds age 65 or over.

The policy is a group fixed-indemnity plan that is underwritten by Pan-American Life Insurance Company, 601 Poydras Street, New Orleans, LA 70130 under policy form G-NHI23-P. The policy has exclusions and limitations. Coverage and plan options may vary or may not be available in all states. Refer to the policy and certificate of coverage for complete terms and conditions. Premiums may vary by state. Get a quote to see your premiums. Underwriting approval is required to purchase coverage.

The Direct Care Foundation is the policyholder and membership in the Direct Care Foundation is required for eligibility to buy this coverage.

Atlas Direct Agency LLC (ADA) is a licensed insurance agency (Nevada #4005774) appointed by Pan-American Life Insurance Company. The purpose of the material on this website is the solicitation of insurance. An insurance agent may contact you. Insurance quotes are provided by ADA.

Atlas Direct is a service mark of ADA.

This website and its contents are a resource that is for informational purposes only and reflect information available at the time of publication. This information is not a guarantee of rates, coverage, or benefit levels. Nothing on this site changes or overrides any terms of insurance policies issued by Pan-American Life Insurance Company. If there is any conflict between the information provided here and the terms of a policy, the policy terms will take precedence.

The Omnibus Budget Reconciliation Act of 2026 revised the rules governing health savings accounts (HSAs) in ways that allow them to be used to pay for direct primary care (DPC) monthly membership fees. The new rules still impose important limitations on the use of HSA funds and require regulations or guidance to be issued in the future. The premiums paid for the Atlas Direct insurance program do not qualify as an eligible HSA expense.

The material on this website has been prepared for informational purposes only and is not intended to provide, and should not be relied on, for tax, legal or accounting advice. Employees and employers should consult their own tax, legal and accounting advisors before engaging in any transaction. Atlas Direct cannot guarantee a favorable tax outcome in all situations as federal and state laws are continuously changing. The benefits paid on this program may be taxable income.