Premier Health Solutions, LLC has been the subject of state regulatory enforcement in Vermont and North Carolina, hundreds of consumer complaints about deceptive enrollment and refund practices, and is separately the lead corporate plaintiff in a federal lawsuit challenging short-term health insurance rules. The Frisco, Texas third-party administrator has not been sued in a large class action, but the pattern of state actions and complaints is the core of what people find when they search for a Premier Health Solutions lawsuit.
Vermont Consent Order and $65,750 Penalty
On June 14, 2022, the Vermont Department of Financial Regulation issued a Stipulation and Consent Order against Premier under Docket No. 21-022-I. The department found that from at least July 2018 through December 2020, Premier ran a platform that marketed health care sharing products from two entities, Altrua Crown Ministries and Alliance for Shared Health, and enrolled Vermont residents in those products. Neither entity was a licensed insurer in the state.1Vermont Department of Financial Regulation. In Re: Premier Health Solutions, LLC, Docket No. 21-022-I
Regulators determined Premier violated 8 V.S.A. § 4796(e), which bars licensed insurance producers from accepting fees to facilitate the sale of health-sharing arrangements that do not qualify as insurance. Altrua and Alliance for Shared Health paid Premier roughly $38,000 between July 2018 and February 2022 for enrolling Vermont residents.2Vermont Department of Financial Regulation. Premier Health Solutions Stipulation and Consent
The investigation started after the department received at least four consumer complaints beginning in late 2020. Under the consent order, Premier paid a $65,750 civil penalty, voluntarily surrendered its Vermont non-resident producer license, and stopped selling or soliciting health-sharing memberships in the state. Premier was barred from reapplying for a Vermont license until after December 31, 2022, and had to conduct independent due diligence on any products offered through its platform before resuming operations there. Premier acknowledged the factual findings but did not admit wrongdoing, characterizing the agreement as a settlement of a disputed claim.1Vermont Department of Financial Regulation. In Re: Premier Health Solutions, LLC, Docket No. 21-022-I
North Carolina Voluntary Settlement
The North Carolina Department of Insurance also took action against Premier. State records show Premier entered a Voluntary Settlement Agreement resulting in a fine or penalty. The department first published the agreement on March 10, 2023, and filed the related document on April 4, 2023. The department has not made public further detail beyond that record.3North Carolina Department of Insurance. Premier Health Solutions LLC
What Consumers Are Complaining About
Premier has built up a sizeable record of grievances. As of mid-2026, its Better Business Bureau profile listed 342 complaints over the preceding three years, with 187 closed in the most recent 12 months. Product issues led the categories at 146 complaints, followed by billing at 91 and service or repair at 72. Premier is a BBB Accredited Business but carries no BBB rating, and customer reviews averaged 1.08 out of 5 stars across 165 reviews.4Better Business Bureau. Premier Health Solutions LLC Customer Reviews
A recurring theme: consumers say they believed they were talking to a government insurance marketplace or a major insurer, then found themselves transferred to an agent affiliated with Premier. Instead of the comprehensive health coverage they thought they were buying, many were enrolled in “bundle plans” of dental, vision, or direct primary care programs that do not provide major medical benefits.5Better Business Bureau. Premier Health Solutions LLC Complaints
Cancellations and refunds are the other flashpoint. Premier’s enrollment documents include a 30-day “free look period,” but complainants report that requests within that window met delays, unclear responses, or demands for documentation not specified in the contract. Several consumers said they were charged hundreds of dollars after calling what they thought was a support line for an existing policy, only to find they had been enrolled in a new plan. In at least one case, a consumer was charged $496 after providing information that was supposed to be used for a refund.5Better Business Bureau. Premier Health Solutions LLC Complaints
In response, Premier consistently states it is a third-party administrator responsible only for billing and payment remittance, and that the independent sales agents who perform enrollment are separate entities it does not control. It points to electronic documents consumers signed during enrollment as evidence of authorization, and it frequently declines to process refunds while bank chargeback disputes are pending.5Better Business Bureau. Premier Health Solutions LLC Complaints
Premier’s Own Federal Lawsuit Against the Government
One case that turns up in searches is not against Premier at all. Premier is a plaintiff in American Association of Ancillary Benefits et al. v. Kennedy et al. (No. 4:24-cv-00783), filed in the U.S. District Court for the Eastern District of Texas in August 2024. The lead plaintiff is the American Association of Ancillary Benefits, a Florida-based trade group whose president, Brandon M. Wood, is also a founding partner of Premier and runs the association from his office in Frisco.6Georgetown Law Litigation Tracker. American Association of Ancillary Benefits et al. v. Kennedy et al.7ACA Litigation. Plaintiffs Reply in Support of Opposition to Stay
The suit challenges a federal rule limiting short-term, limited-duration insurance (STLDI) plans to a maximum of four months, including one renewal. Plaintiffs argue the rule violates the Administrative Procedure Act as arbitrary and capricious rulemaking, exceeds statutory authority, and runs afoul of the nondelegation doctrine. Defendants are the secretaries of the Treasury, Health and Human Services, and Labor.6Georgetown Law Litigation Tracker. American Association of Ancillary Benefits et al. v. Kennedy et al.
Plaintiffs initially sought an emergency temporary restraining order in August 2024, withdrew it, and filed an amended motion for a preliminary injunction. Judge Sean D. Jordan held a hearing on that motion in September 2024. The parties then moved to summary judgment briefing, with cross-motions filed by December 2024. No ruling has issued. The court has entered a series of stay orders, and as of March 2026 the case remains stayed.8CourtListener. American Association of Ancillary Benefits v. Secretary, US Department of the Treasury
Who Premier Health Solutions Is
Premier was founded in 2012 and is headquartered at 2601 Network Boulevard in the Hall Park complex in Frisco, Texas. It operates under alternate registered names in several states, including PHSI Administrators, LLC in California and PremierHS, LLC in Kentucky, Ohio, Pennsylvania, South Carolina, and Utah.9Premier Health Solutions. About The founding partners are Brandon M. Wood and Brian J. Duly.10Premier Health Solutions. Leadership
Premier describes itself as a third-party administrator that does not sell insurance, underwrite coverage, or make claims decisions. It says it supports benefit programs offered through licensed independent agents, associations, and partner organizations.9Premier Health Solutions. About That characterization is central to Premier’s defense in both regulatory matters and consumer disputes, and it is the same characterization Vermont regulators found insufficient when they concluded the company had facilitated the sale of products from unlicensed health-sharing entities to Vermont residents.