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Health Coverage Tailored to You

Access to 30+ carriers — ACA Marketplace and private plans for individuals, families, and small businesses. Free consultations, no pressure.

Laurakohhealth@gmail.com (859) 866-8661 5.0 Google Rating
Coverage Options

Plans for Every Situation

As an independent agent, I'm not tied to one carrier. I shop the market to find coverage that genuinely fits your needs and budget.

Individual & Family Health

Private marketplace plans, PPO & HMO options across major networks — comprehensive coverage tailored to your household's needs and budget.

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Self-Employed Coverage

Freelancers, contractors, and 1099 professionals — portable, flexible private coverage that moves with your career and protects what you have built.

Learn More

Small Business & Group

Group health benefits tailored to your team size, industry, and budget — simple setup, ongoing support, and significant tax advantages for your business.

Business Plans

Carriers We Work With

UnitedHealthcare · Blue Cross Blue Shield · Ambetter · Oscar · Molina · Cigna · + More
Why It Matters

Why Use an Independent Agent?

Most people don't realize that going directly to a carrier costs the same — but limits your options. Here's the difference.

Going Direct to a Carrier
Only see one carrier's plans
No independent advice — they sell their product
Navigate the process alone
No ongoing support after enrollment
Sales pressure to choose their plan
Recommended
Kohler Health Advisors
30+ carriers compared side by side
Unbiased guidance — your needs, not a quota
We handle the whole process for you
Support for renewals, changes, and questions
100% free — same premium either way
Get Started — It's Free
For Employers

Benefits That Work for Your Business

Offering health coverage doesn't have to be complicated or expensive. We handle the research, comparisons, and enrollment — so you can focus on running your business.

Get a Free Business Quote
Tax Advantages
Employer contributions are fully tax-deductible. Employees pay premiums pre-tax — saving everyone money.
Attract & Retain Talent
Health benefits are the #1 factor in job decisions — even as a small business, you can compete.
Cost Control & Flexibility
Customize contribution levels, plan tiers, and coverage types to match your budget and team needs exactly.
Ongoing Support
From enrollment to renewals, we manage the process and are available year-round when your team has questions.
The Process

Simple from Start to Coverage

Getting the right plan shouldn't be complicated. Here's what working together looks like.

1

Free Consultation

We talk about your situation — health needs, budget, doctors you want to keep, prescriptions you take.

2

Compare Options

I pull plans from multiple carriers and walk you through what each actually covers — plain language, no jargon.

3

Choose Your Plan

You decide. No pressure, no push — just honest guidance so you feel confident in whatever you choose.

4

Ongoing Support

I'm still here after you're enrolled — for questions, renewals, life changes, or switching plans at open enrollment.

Laura Koh — Kohler Health Advisors
27
States Licensed
About Laura

Your Independent Advocate

As an independent health insurance agent, I work with multiple carriers to help individuals, families, and small businesses find the coverage that's right for them.

By offering access to both Private and Marketplace plans, I can provide personalized recommendations based on your needs — not a company quota. My priority is helping you find quality coverage while making the experience as simple and stress-free as possible.

When you work with me, you get someone in your corner who will compare options, explain your choices honestly, and be available when you have questions — whether it's during enrollment or six months into your policy.

Independent — no carrier bias
Free consultations, always
Plain-language explanations
Available 7 days a week
ACA & private plan access
Licensed across 27 states
Licensed States

Serving Clients Nationwide

We're currently licensed in 27 states and ready to help you find the right coverage wherever you are.

AL
AR
CO
FL
GA
IL
IN
IA
KS
KY
LA
MD
MI
MS
MO
NE
NV
NC
OH
OK
SC
SD
TN
TX
UT
VA
WV

Don't see your state? Reach out — I'm happy to help point you in the right direction.

Book a Consultation

Schedule Your Free Consultation

Pick a time that works for you. No pressure, no obligation — just a conversation about your coverage options.

Resources

Health Insurance Explained Simply

Expert guides to help you make informed decisions about your coverage.

Plan Types

HMO vs PPO vs EPO vs HDHP — Which Plan Is Right for You?

Choosing between plan types is one of the most impactful financial decisions most people make each year.

Read Article →
Marketplace vs Private

ACA Marketplace vs. Private Plans: What Is Actually Different in 2026?

Most people assume ACA and private plans are interchangeable. They are not — and the difference can save you hundreds per month.

Read Article →
Employer Health

COBRA Is Costing Your Employees More Than You Think

When employees lose job-based coverage, COBRA keeps them insured — but at a price that shocks most families.

Read Article →
Self-Employed

The Self-Employed Guide to Health Insurance

Freelancers and entrepreneurs face unique challenges. Here is every option explained clearly.

Read Article →
Get in Touch

Ready to Find Your
Perfect Plan?

It starts with a free, no-obligation conversation. We typically respond within a few hours.

Call or Text
(859) 866-8661
Email
Laurakohhealth@gmail.com
Hours
Mon–Fri 8AM–9PM · Sat–Sun 8AM–2PM

"My service costs you nothing. I am here to simplify the process and make sure you walk away with a plan you understand and can count on."

— Laura Kohler, Kohler Health Advisors

What type of coverage?

Select the option that best fits your situation.

FAQ

Common Questions

Answers to the things people ask most before reaching out.

Yes — completely free to you. You pay the same premium whether you go through me or directly to the carrier, but with me you get someone who shops multiple options and guides you through the entire process.
In many cases, yes. Before recommending any plan I'll verify that your preferred doctors and any specialists you see regularly are in-network. Keeping your providers is one of the first things I check.
You still have options. Certain life events — losing job-based coverage, getting married, having a baby, moving — qualify you for a Special Enrollment Period on ACA plans. Private plans are also available year-round with no enrollment window. Reach out and we'll figure out what you qualify for.
ACA Marketplace plans are regulated by the government and may qualify for income-based subsidies that significantly lower your premium. Private plans are off-marketplace and often offer broader networks, PPO access, and year-round enrollment — and can be more affordable if you don't qualify for a large subsidy. I'll compare both for your specific situation.
Most people are enrolled within 24–48 hours of our consultation. Depending on the plan type, coverage can be active within a few days to the first of the following month. If you need coverage urgently, let me know and I'll prioritize the fastest available option.
Yes. I help small business owners set up group health plans for their teams. Employer contributions are typically tax-deductible, and offering benefits is one of the most effective ways to attract and retain employees. I handle the setup, comparisons, and ongoing support.
I'm currently licensed in 27 states: AL, AR, CO, FL, GA, IL, IN, IA, KS, KY, LA, MD, MI, MS, MO, NE, NV, NC, OH, OK, SC, SD, TN, TX, UT, VA, and WV. Don't see your state? Reach out anyway — I'm happy to point you in the right direction.
Client Reviews

What Clients Are Saying

5.0 on Google

"Laura was great to work with in finding my new health coverage. She was very attentive and knowledgeable in helping me find a policy that best suits all of my needs for health insurance, including dental and vision. I am extremely confident with her as my new agent and can trust that she will be there for me if I ever have any questions or concerns."

R
Ryan Mulcahey
Google Review

"Laura found a great health care policy for me and my wife. She guided us through the process and was very thorough when explaining the details of the policy."

D
Dwayne Burns
Google Review

"Laura Kohler was more helpful than any agent I have ever used. She would answer all my questions even when I asked them over & over. She is the best, I'm very lucky I got her when I was looking for health insurance. A Big Thanks to her!!"

R
Renee Staggs
Google Review
Google Reviews
5.0
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