Get quick insurance quotes from licensed advisors through Tohi Health insurance Advisors. With having access to hundreds of plans on and off of the marketplace we can assist in narrowing your options down. Truly helping you and your family find the best plan that best fits your situation, expectations, and budget.

Does simple health insurance exist? Yes, if speaking with a licensed professional that can break things down in an easy to understand way. All health insurance will have similar terms like, deductible, co-insurance, co-pays and max out of pocket. Tohi Health insurance Advisors is known for breaking down plans in their simplest terms to make sure you understand exactly what you are paying for and how your plan works.

Health insurance cost can vary depending on a few factors, such as age, zip code and income. To figure out what is most cost-effective for you, it is important to get in contact with an agent that is licensed in your state and has access to all the plans on and off the marketplace. Tohi Health insurance Advisors takes an educational approach, making every client an expert in the health insurance world, and showing them all of their options to choose from.

Affordable health insurance is attainable typically through income or health based discounts. A principle we stress at Tohi Health insurance Advisors is obtaining affordable insurance, not cheap insurance. Because cheap insurance is the most expensive insurance when something happens. With Tohi Health insurance Advisors’s advisors having access to all public and private options, we are the experts at finding individuals and families affordable health insurance.

A health insurance agency is a group of agents that work under a company to sell insurance products to consumers. Tohi Health insurance Advisors is an independent agency that provides access to a range of health insurance products from multiple carriers in one place. With Tohi Health insurance Advisors, you can choose from a wider range of carriers.

Health insurance agents are licensed salespeople who represent one or more insurance companies. They are licensed to sell in certain states, and can’t charge you any fees for assisting you in obtaining health insurance for you and your family. Captive agents are agents that represent only one insurance carrier/company; meaning they work exclusively for that one company. These agents represent their company, not their clients. They can only sell you coverage that their one company offers.Here at Tohi Health insurance Advisors, we don’t have any captive agents; meaning we represent you, not the tens of companies we service for. This ensures that we will find the best coverage for you, your family, and your business’ unique situation.

Underwritten health insurance is a process where the insurance company will look at you and your family’s medical and prescription history during the application. If you’re able to get approved through that process, not only can you get a plan with a nationwide PPO, but it often is more affordable than other health insurance options because you are put into a network of other healthy individuals and families.

In the simplest of terms, family health insurance is health insurance that covers your family, not just you. But exactly what family members can be on your family health insurance plan? Those members would be your spouse and your dependents under the age of 24-26 (dependent upon your state of residence). For instance, if you're married without any children or dependents, your “family health insurance plan” would really just be a “couple’s insurance plan”.

Or if you had a spouse and 6 kids (under ages 24-26), your plan would cover your family of 8.If you get family health insurance through an employer, they’ll more than likely use the term “employer plus family.” This will work the same way for your family as what is stated above. ObamaCare/ACA options will also allow for you to cover yourself, spouse, and dependent children in your “group.”

Here at Tohi Health insurance Advisors, we specialize in helping families of all sizes find amazing, quality, affordable health insurance options.

Nationwide Health insurance is typically the term used for a health insurance plan that has a large enough network to cover you across the nation. Hence the term “nationwide”, when looking at health insurance options it is important to try and obtain nationwide coverage because you have access to more providers and specialists in your area and across the country. Obtaining this level of coverage at an affordable price is what Tohi Health insurance Advisors specializes in.

Short terms are health plans with a limited duration designed to bridge a gap between longer-term plans and are exempt from most insurance regulations and not required to provide coverage for all health issues. Also referred to as Short-term or limited-duration insurance. Short terms are best known for underwriting at the point of a claim, meaning when a claim happens they go digging through your medical records looking for a reason not to cover you. The attraction is typically the low price, however people don't realize there are plans that are comparable in price that have to cover your claims.

Mutliplans is the name of the network. Multiplan networks are most commonly used for “short term” plans and “indemnity” plans. The pros to multi-plans are the fact that they are nationwide networks. The cons would be that short terms and indemnity plans often don't have the two main ingredients we look for in a “real” health insurance plan. Tohi Health insurance Advisors does have access to all available options, but our agents prefer plans that have a solid max out of pocket.

A licensed health insurance agent is someone who is ready to show consumers products from a carrier they are appointed with. Whether that be health, dental, vision, or supplemental products. They have legal access to be able to present plans and help you enroll into those plans. You can trust Tohi Health insurance Advisors’s Licensed health agents to take care of you and your family.

Private health insurance is where you are not getting your health insurance through the government or through an employer. Depending on your income and health, the private route can be affordable. With Tohi Health insurance Advisors you are getting access to look at all of your options, including private insurance where you can get access to a nationwide PPO plan that gives you coverage in and out of the network in all 50 states

There are several options for self employed health insurance. Whether that be a PPO, HMO, or EPO with Blue Cross, Cigna, Aetna etc… It is important to get in contact with an agent who can put you in front of multiple plans, because there are benefits in several plans specifically for self-employed individuals and families. Every agent at Tohi Health insurance Advisors has access to all the plans on and off the marketplace.

Broker health insurance is health insurance found for you by a health insurance broker. Brokers and agents are similar because they can both find coverage for you; but captive agents can only sell for the one company they are contracted with, and represent their company, not their clients. Brokers service for many different companies, and represent their clients, not any of the companies they service for. Brokers are on your side!Here at Tohi Health insurance Advisors, we have several brokers who service for tens of companies in 32 states, to ensure that we have access to the best options at the most affordable prices.

Health insurance agencies are groups of agents that work under a company to sell insurance products to consumers. Tohi Health insurance Advisors is an independent agency that provides access to a range of health insurance products from multiple carriers in one place. With Tohi Health insurance Advisors, you can choose from a wider range of carriers.

On March 23, 2010, The Affordable Care Act was signed into law. The ACA otherwise known as Obamacare or Marketplace Health insurance became available for individuals and families to have access to all across the country. Now, these plans are typically limited to your county or state and they are also based on your income. With Tohi Health insurance Advisors you will be able to take a look at options that will give you a nationwide PPO where you get coverage in and out of the network in all 50 states that are based on health and not by your household income.

Obamacare insurance is a government-made, income-based premium support system, which provides government subsidies to people who earn less than 400% percent of the federal poverty level to acquire affordable health insurance.

Marketplace health insurance also known as “Obamacare” or the “ACA” is a state based insurance program that partners with the federal government to try and provide more affordable options for lower income households. Marketplace health insurance is best for covering pre-existing conditions and low income households. Many times people do not know what options are available to them outside of an employer or the marketplace. Tohi Health insurance Advisors specializes in assisting individuals and families to explore all options.