Most people are stuck choosing between a cheap plan that won't cover them and a good plan they can't afford. In 30 minutes, David will show you every option you qualify for — on and off the marketplace — and tell you straight which one is the best deal.
Pick the closest match and we'll carry it into your form. David builds the plan around your situation, not the other way around.
Three or four letters decide whether you keep your doctor, whether you need a referral, and what happens when you get sick out of state. Here's the honest comparison.
| Plan type | Network | Referral for a specialist | Out-of-network care | Typically best for |
|---|---|---|---|---|
| PPO | Large, nationwide | Not required | Covered, at a higher share | Anyone who travels, has specialists, or wants to keep their doctors |
| HMO | Local only | Required — through your PCP | Not covered except emergencies | Lowest monthly premium, if you're fine staying local |
| EPO | Local only | Not required | Not covered except emergencies | Cheaper than a PPO, if every provider you use is in network |
| POS | Local, with out-of-network access | Required — through your PCP | Covered, but you pay more | Managing a condition where one doctor sits outside the network |
| HDHP + HSA | Can be any of the above | Depends on the underlying plan | Depends on the underlying plan | Low premium, high deductible, and tax-free HSA dollars to offset it |
Preventive care — annual visits, vaccinations, mammograms, colonoscopies, depending on your age — is often covered at no cost even before you've met your deductible.
A federal program partnered with private carriers. Income-based pricing, and insurers can't deny you or charge more because of pre-existing conditions.
You apply, the carrier reviews medical and prescription history, and if you're approved you're pooled with other healthy people — which is why the premium is often lower.
That's the point of the call. David prices both routes for your zip code, age and income, then tells you which one actually wins. Sometimes it's the subsidized marketplace plan. Sometimes it's the private PPO for half the money. You can't know without running both.
"Tohi" is a Cherokee word for wellness — the harmony between mind, body and spirit. The company was built on the idea that this industry could run without the sales pitch.
Licensed agents can't charge a fee for helping you get covered. Your premium is identical whether you use David or fumble through it alone.
Captive agents work for one carrier and can only sell what that carrier offers. Tohi has none. David represents you across every company the agency services.
Tohi asks clients not to call insurance companies. That's their job — sitting on hold, watching your back, making sure hospitals and pharmacy companies do right by you.
"I want to be your agent" means long after you enroll — when a claim gets denied, when a drug isn't covered, when your income changes.
Cheap insurance becomes the most expensive insurance the moment something bad happens. David will talk you out of a plan that looks good on price and fails on a claim.
Deductible, co-insurance, co-pay, max out of pocket — you'll leave the call able to explain your own plan to somebody else. That's the standard.
On-exchange, off-exchange, private underwritten, Medicare, small group, dental, vision, accident, critical illness and life. One conversation covers all of it.
Tohi's stated mission is affordable coverage for people with urgent medical needs and for minority and low-income individuals — including ACA benefits most Native American members never hear about.
This isn't a new operation. Tohi has placed coverage for more than two thousand people, and David has run his own businesses for over 25 years.
You're never handed to a call center, and you're never left to fight a claim on your own.
A painless, pressure-free call so David can custom-build the plan that fits you, your family or your business. You get all the time you need to look over the options presented.
Once you've picked the plan and carrier, a second short call handles the application together over phone and screen share. David submits it for you.
After the carrier accepts you, you get David plus your own personal customer service liaison — permanently attached to your policy.
David isn't captive to one carrier. He compares the whole market, then recommends what fits your budget and your doctors.
Private PPO plans on the largest nationwide network in the country. Underwritten and built for the self-employed.
Lightly underwritten MEC plans on the BCBS, Anthem, Cigna and PHCS nationwide networks.
On- and off-exchange plans designed to keep your family covered regardless of health history.
Supplemental coverage for the costs your health plan doesn't pick up after an injury or a serious diagnosis.
A senior health insurance agent and co-founder of Tohi Health, licensed in 45 states. His specialty is private, underwritten plans and supplemental products. He's owned and operated his own brands for over 25 years and is obsessed with client satisfaction.
Here's what a few of them had to say afterward.
"David and Jaims are amazing!!! Knowledgeable about the best plans and very professional! Easy to talk to, friendly and family oriented! Highly recommend!!!!"
"Jaims helped my wife get on the right track for insurance today after being denied everywhere she looked! She was helpful and very professional! she knows her stuff!! big thanks to her and her partner David!!!"
"Our conversation was the best I have had with any professional representative! Thoroughly specific and helpful on topics I was not even aware of. I highly recommend Tohi for any health insurance advice!"
"Fast, friendly, and understanding. Even willing to help after policy was settled. Would recommend to anyone needing help with insurance! 11/10"
"Very knowledgeable, and professional. Works diligently to make sure that everything is on the right track and taken care of. Highly recommend."
"Very friendly, thorough, and helpful. Customer service is top notch. Highly recommend!!!"
Nothing. Licensed agents can't charge you a fee for helping you obtain health insurance — they're compensated by the carrier. Your premium is the same whether you use David or enroll on your own.
David asks about your situation, your doctors, your prescriptions and your budget, then prices your real options across the carriers he's appointed with. You'll see numbers, not a pitch. If nothing beats what you already have, he'll tell you that.
An individual with access to multiple carriers and plans. A good one listens to your situation, walks you through every option, and lets you choose what fits — rather than steering you to one product.
A captive agent represents one insurance company exclusively — they work for that company, not for you, and can only sell what that company offers. Tohi Health Insurance Advisors has no captive agents. David represents you across all the carriers the agency services.
Tohi Health Insurance Advisors is licensed and insured. Your information is never sold, shared or published with third parties. It's used only to show you real, viable products from carriers you've already heard of.
You keep David, and you're assigned your own customer service liaison. Tohi asks that clients don't call the insurance companies themselves — they'd rather sit on hold on your behalf and make sure the doctors, hospitals, insurers and pharmacy companies are acting in your interest.
It's complex, but it can be made simple by someone who breaks it down properly. Every plan uses the same core terms — deductible, co-insurance, co-pays, max out of pocket. Tohi's reputation is built on explaining those in the simplest terms, so you know exactly what you're paying for and how the plan works.
A network large enough to cover you across the country instead of a small local network like an HMO. That means more providers and specialists both in your area and everywhere else — with no referral required to see a specialist.
An application process where the carrier reviews your and your family's medical and prescription history. If you're approved, you can get a plan on a nationwide PPO — and it's often more affordable than the alternatives, because you're placed in a pool with other healthy individuals and families.
An HMO gives you a local network with lower premiums, but you pick a primary care provider who coordinates your care and refers you to specialists. A PPO gives you a much larger network, no referrals, and out-of-network coverage, in exchange for a higher premium. An EPO is a local network with no referrals required, but it won't cover out-of-network care except in emergencies. A POS requires referrals like an HMO, but does cover out-of-network doctors at a higher cost to you.
A high-deductible health plan (HDHP) has low premiums and a very high deductible. It can be built on an HMO, POS, PPO or EPO network. It suits people with low routine medical costs who mainly want protection from a catastrophic event — and it can also work for someone managing a condition who can't carry a high monthly premium.
An HDHP is the only kind of plan that unlocks a Health Savings Account. HSA dollars go in pre-tax and come out tax-free for qualified medical expenses, which effectively discounts your out-of-pocket costs by roughly 30%.
A plan covering members of your household — your spouse and dependents under age 24 to 26, depending on your state. Family plans usually have a family deductible and family out-of-pocket max, which can mean real savings once you're past two members. A married couple with no children is still a "family" plan of two.
Be careful with those. Short-term or limited-duration plans are designed to bridge a gap between longer-term plans, and they're exempt from most insurance regulations — they aren't required to cover all health issues. They're known for underwriting at the point of claim, meaning when something happens they go through your medical records looking for a reason not to pay. The low price is the attraction, but there are usually comparably priced plans that are actually required to cover your claims.
Limited-benefit plans built to supplement comprehensive coverage, not replace it. They do not provide comprehensive coverage and shouldn't be treated as your only plan.
Also called On-Exchange, ACA or "Obamacare" — a federal program partnered with private carriers that provides income-based pricing for US citizens and legal residents. The ACA set coverage standards that stop insurers from discriminating against applicants or charging higher premiums based on pre-existing conditions or gender.
Often, yes — but it depends entirely on the network. Bring a list of the doctors and prescriptions you want to keep to the call, and David will check them against each plan before you commit to anything.
It varies with age, zip code and income. That's what the call is for — David is licensed in 45 states and has access to plans both on and off the marketplace, so he can show you the real numbers for your situation instead of a range.
Usually one of two routes: income-based subsidized plans, or privately underwritten plans. The principle Tohi stresses is affordable, not cheap — because cheap insurance turns out to be the most expensive insurance the moment something bad happens.
The ACA provides assistance to people who don't qualify for Medicare or Medicaid, aren't offered a plan by an employer, and have income under 600% of the poverty level. Where you land on that scale determines the size of the assistance. David checks it for you on the call.
Sometimes. Standard marketplace enrollment runs November 1 through January 15. Individuals and families under 150% of the poverty level can enroll year-round, and qualifying life events open a special enrollment period. Private underwritten plans are available year-round regardless.
Guaranteed-issue plans can't deny you care because of medical history — that's federal law under the ACA. Separately, David has access to underwritten private plans; if you pass underwriting, those often cost less. You have options either way.
Agents are licensed state by state and can't charge you fees. The real question is whether they're captive to one carrier or independent. Ask any agent how many companies they can quote you — if the answer is one, keep looking.
Significantly. The ACA carries specific benefits for American Indian and Alaska Native members that most people never hear about. In states like Oklahoma and Arkansas, depending on income, that can mean real PPO coverage with $0 premiums, $0 deductible and $0 out-of-pocket max.
Only about a third of the AI/AN population lives on reservations, and care at tribal facilities is often crowded or missing needed specialties — which is exactly the gap this coverage fills. Tohi's founder is a member of Cherokee Nation, and this community is central to the company's mission.
Answer a few questions so he walks into the call already knowing your situation. Then pick your 30-minute slot.
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Prefer to talk now? Call David at (817) 691-6122 or the main line at (888) 831-TOHI. Mon–Fri, 9:00am–5:00pm.