Terms of Service

Last updated: June 27, 2026

By using this website or contacting Kohler Health Advisors, you agree to these terms. Please read them carefully. If you have any questions, contact us at Laurakohhealth@gmail.com.

1. About Our Services

Kohler Health Advisors provides health insurance advisory and enrollment assistance services. We are an independent licensed insurance agent helping individuals, families, and small businesses find and enroll in health insurance plans. Our consultations are provided at no cost to clients.

We are licensed in 27 states. Services are only available to residents of states in which we hold an active insurance license. Using this website does not create a client relationship — that is established when you engage us directly for a consultation.

2. Not Legal or Medical Advice

The information on this website is for general informational purposes only. Nothing on this site constitutes legal, medical, tax, or financial advice. Insurance plan details, premiums, and coverage vary by state, income, and individual circumstances. Always review your plan documents carefully and consult a qualified professional for advice specific to your situation.

3. Accuracy of Information

We make every effort to ensure the information on this website is accurate and up to date. However, insurance regulations, plan availability, and carrier information change frequently. We do not guarantee the completeness or accuracy of any information presented on this site and are not liable for errors or omissions.

4. Your Responsibilities

When using our services, you agree to:

5. Third-Party Services

Our website uses third-party services including Calendly for appointment scheduling and Google Analytics for website analytics. Your use of these services is subject to their respective terms and privacy policies. We are not responsible for the practices of third-party service providers.

6. Intellectual Property

All content on this website — including text, design, graphics, and branding — is the property of Kohler Health Advisors. You may not reproduce, distribute, or use any content from this site without our written permission.

7. Limitation of Liability

To the fullest extent permitted by law, Kohler Health Advisors shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of this website or our services. Our total liability for any claim arising from our services shall not exceed the amount you paid us, which in most cases is zero as our consultations are free.

8. No Guarantee of Results

We will make every effort to find coverage that suits your needs. However, we cannot guarantee that a specific plan, premium, or benefit will be available to you. Plan availability, eligibility, and pricing are determined by insurance carriers and government regulations, not by us.

9. Links to Other Websites

Our website may contain links to third-party websites such as insurance carrier sites, government healthcare resources, and scheduling tools. We are not responsible for the content, privacy practices, or accuracy of any third-party websites.

10. Changes to These Terms

We may update these Terms of Service from time to time. When we do, we will update the "Last updated" date at the top of this page. Continued use of our website after changes are made constitutes your acceptance of the updated terms.

11. Governing Law

These terms are governed by the laws of the State of Florida. Any disputes arising from these terms or our services shall be subject to the jurisdiction of the courts of Florida.

12. Contact Us

If you have questions about these Terms of Service, please contact us: