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.

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.

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.

Learn how U.S. health insurance works—from ACA to PPOs, deductibles, and real FAQs—with expert guidance from broker Robert Tovashvili.