Navigating Health Insurance in America: What You Need to Know Before You Enroll

Navigating Health Insurance in America: What You Need to Know Before You Enroll

Confused about health insurance in the U.S.? Licensed broker Robert Tovashvili breaks down everything you need to know about ACA plans, PPO vs. HMO networks, rising costs, and affordable alternatives for healthy families. Learn how subsidies work, what to watch for in policy fine print, and how to avoid overpaying—whether you’re shopping through the Marketplace or looking for private options.

Understanding Free Health Insurance in the U.S.—What It Really Means

Understanding Free Health Insurance in the U.S.—What It Really Means

Confused about whether health insurance in the U.S. is really free? In this guide, Robert Tovashvili explains how Obamacare subsidies work, when you might qualify for free or discounted coverage, and how traditional insurance compares. Learn how tax credits affect your costs—and how to avoid surprises at tax time.

Understanding TrumpCare vs. Obamacare: What You Need to Know

Understanding TrumpCare vs. Obamacare: What You Need to Know

In this episode, health insurance expert Robert Tovashvili breaks down what changed under TrumpCare, how these alternative plans differ from Obamacare, and what you need to know if you’re healthy, self-employed, or seeking nationwide coverage. Learn about real plan costs, emergency coverage, maternity exclusions, and more—especially helpful for Russian-speaking families in the U.S.

How Medical Insurance works in USA: A Guide for Russian Speakers

How Medical Insurance works in USA: A Guide for Russian Speakers

For over 12 years, I’ve helped more than 1,300 Russian-speaking clients understand U.S. health insurance. Many of them say the same thing: “I don’t understand how Obamacare works, and I don’t want to get ripped off.” If you’ve ever felt the same, this article will help. I’ll walk you through real costs, show you how…

Health Insurance That Lets You Choose Your Doctor—A Smarter Way to Get Covered

Health Insurance That Lets You Choose Your Doctor—A Smarter Way to Get Covered

Health Insurance That Lets You Choose Your Doctor—A Smarter Way to Get Covered   Before I became a health insurance broker, I spent years working as a filmmaker. I learned how to take complex ideas and tell them in ways people could connect with. That same skill is what I bring into this industry—because let’s…