I’m Robert Adziashvili — An Independent Insurance Broker Who Puts Clients First

A mother once came to me in tears.
Her family had just moved to Pennsylvania from New York, where they had free coverage. Now, they had nothing—and no idea what to do next.

She didn’t speak much English. She didn’t know what plans to trust. She just needed help.

That moment shaped how I built eHealth20—one client at a time, with empathy and clear answers. We’ve grown since then, but nothing’s changed about how we work:
Clarity first. No pressure. No fine print games.

My background isn’t typical. I studied literature, theater, and filmmaking, not finance. But that training helped me understand people—and today, that’s exactly what my clients need.

Why I Left the Captive Agent World

I started out as a captive agent, which meant I could only sell policies from one insurance company. It was limiting. If the client needed something else, I couldn’t offer it.

Eventually, I left the security of a salary and started from scratch. No clients. Just a belief that people deserved honest help.

One of my early turning points was when I helped a Russian-speaking family of three who had just moved from New York to Pennsylvania. They were panicked. In New York, they had free coverage through Fidelis. In PA, they didn’t qualify for anything.

I explained the differences between states and helped them get the coverage they needed. That moment stuck with me. It reminded me that I wasn’t in sales—I was in service.

Where I Work (and Make Coffee)

I work out of Morrisville, Pennsylvania, right near the New Jersey border and only an hour from Manhattan.

My office is simple, clean, and built for real conversations. I recently moved into a new space, and yes—I serve real espresso. Not McDonald’s. If you visit, I’ll make you a proper European coffee.

These details matter. If I take that much care with your coffee, you can trust I’ll do the same when reviewing your health plan.

Who I Help

I work with all kinds of clients, but I focus on helping:

• Young adults aging off their parents’ plans
  
• Freelancers and entrepreneurs without employer coverage
  
• Russian-speaking and immigrant families new to U.S. healthcare
  
• Parents and individuals dealing with complex family situations
  

I also help clients explore Dental and Vision Insurance options, since many people are surprised to learn those aren’t usually included in medical plans.

I speak Russian, and a lot of my clients prefer to communicate via phone, WhatsApp, or Zoom—especially those who aren’t fluent in English.

About 75% of my clients are remote, and I’ve helped over 1,300 Russian-speaking individuals and families enroll in health insurance.

Major Medical vs. Indemnity Plans: What I Explain Every Day

A big part of what I do is explain the difference between major medical and limited-benefit (indemnity) plans.

Major Medical Plans:

• Cover pre-existing conditions
  
• Follow ACA rules
  
• Often only work in-state unless it’s an emergency
  

Indemnity Plans:

• Lower monthly cost
  
• Provide fixed payouts (e.g., $100 per doctor visit)
  
• Work nationwide if issued in a qualifying state
  

These plans aren’t for everyone, but they make sense for:

• Healthy young people
  
• Truck drivers
  
• Freelancers who need something simple
  

One client—a 25-year-old—told me:

“Robert, I don’t want insurance. But my parents keep bugging me. What’s the cheapest thing I can get?”

I set him up with a $150/month indemnity plan and made it clear—it wouldn’t cover everything, but it would protect him in case of hospitalization or unexpected care.

Clearing Up Misconceptions

I meet a lot of people who misunderstand how insurance works—especially with indemnity plans.

One woman came to me and said, “I’m healthy. I just need pregnancy coverage.”
I had to explain that pregnancy is considered a pre-existing condition—and indemnity plans don’t cover it at all.

Another common mistake? People don’t realize their plan is state-specific. I’ve helped clients who live in New Jersey but qualify in Pennsylvania, just by using a parent’s address.

I explain all this carefully—because if you get it wrong, you can end up paying out-of-pocket when you thought you were covered.

Why People Trust Me

Here’s what makes eHealth20 different:

• I offer access to over 1,000 plans across multiple carriers
  
• I explain everything in plain language, and often in Russian
  
• I work by phone, Zoom, or WhatsApp—whatever’s easiest for you
  
• I’m licensed in PA, NJ, NY, FL, TX, MD, VA, and OH, with more coming
  

I don’t sell plans just because they’re cheap. I ask what you actually need. I explain what’s not covered so there are no surprises later.

If you visit my office, I’ll show you my wall of licenses—so you know I’m qualified, and you’re not just trusting someone on the phone.

Growing the Right Way

Right now, I’m expanding by:

• Hiring and mentoring new licensed agents
  
• Building a referral network in more states
  
• Training others to serve clients the same way I do
  

“You can’t grow by doing everything yourself. You have to train people who care about the details.”

Whether it’s a young adult buying their first plan, or a family trying to navigate two states’ systems, my team and I are here to help.

What I Believe

Health insurance shouldn’t feel like a maze.
You shouldn’t have to guess what’s covered or stress about fine print.

That’s why I built eHealth20: to provide real clarity, not confusion.

Whether you’re:

• A freelancer trying to stay insured
  
• A contractor building your own business
  
• A parent helping your adult child get coverage
  

If you’re in between jobs or new to the U.S., our Short-Term Health Insurance plans can help bridge the gap.

You deserve a clear path—not a hard sell.