Start with your situation
We’ll talk about what coverage you have now, what isn’t working, and what matters most to you.
Health coverage, explained plainly
A clearer way to look at health coverage.
If you’re self-employed or comparing coverage because your work benefits don’t fit, I’ll help you understand the options available to discuss—what they cover, where the limits are, and what questions to ask.
You ask for a call. I’ll call you about your request. No application is submitted through this website.
How I work
Insurance is complicated. The conversation shouldn’t be.
I’m Eli Thermilus, President of ET Health Advisors LLC and a licensed health insurance agent. My job is to help you make sense of your choices—not rush you through a decision.
Make the tradeoffs clear
I’ll walk through relevant options, including eligibility, coverage limits, and costs that matter to your decision.
Move at your pace
You decide whether you want to explore an application. Asking for a call does not enroll you or obligate you to buy.
Who I help
When your current options don’t seem to fit.
A one-on-one conversation can help you see what’s available and what questions to ask next.
Self-employedYou buy your own coverage and want help comparing the choices.
Small business ownersYou’re weighing individual coverage for yourself or your family.
Employer coverage feels costlyYou want to understand what alternatives may be available to you.
Between work situationsYour work or household changed and you need to review coverage choices.
My commitment
You deserve to know what you’re considering.
Different coverage options can have different eligibility rules, benefits, exclusions, and limits. I’ll explain the relevant details as we review your choices so you can make an informed decision.
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I’ll tell you when an option may not fit what you need.
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I won’t describe coverage as comprehensive unless it is.
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I’ll explain when health questions or underwriting may affect eligibility.
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I’ll call because you asked me to—not because a third party passed along your information.
A few things to check
Protect yourself before you enroll.
Health coverage products can sound similar while working very differently. Take time to verify the person, identify the type of coverage, and read the written terms before making a decision.
Verify the person you’re speaking with
Ask for the agent’s full name, state license information, and National Producer Number (NPN). The NPN identifies a producer; check with your state insurance department to confirm the agent is authorized in your state. If you can’t verify the credentials, pause before sharing sensitive information or enrolling.
Know whether it’s insurance
Health care sharing ministries are not insurance, and payment of medical expenses is not guaranteed like an insurance claim. Sharing is governed by the program’s membership rules.
- Ask what expenses are eligible or excluded.
- Ask whether providers are in a network or you may need to negotiate rates yourself.
- Ask what happens when a medical expense is not shared.
Check limits, deductibles, and resets
Short-term coverage and limited-benefit products may not provide the same protections or broad coverage as comprehensive major medical insurance. Fixed-benefit coverage may pay a stated amount for a service or event rather than the full bill.
- Is there an out-of-pocket maximum? What counts toward it?
- What exclusions, benefit caps, or pre-existing condition limits apply?
- When does the deductible apply, and can renewal or new coverage reset it?
Where I’m licensed
Guidance across multiple states.
Licensed in the states below. Product availability and eligibility can vary by state and carrier; we’ll confirm what’s available for your situation.
AlabamaColoradoFloridaGeorgiaIllinoisIndianaIowaKansasKentuckyLouisianaMarylandMichiganMissouriMontanaNevadaNorth CarolinaOhioOklahomaSouth CarolinaTennesseeTexasUtahVirginiaWisconsin
Online requests
Call requests are not open yet.
I’m finishing the setup for a secure request process. This page is not collecting contact details right now.
For your privacy: Please don’t send personal or health information through this page. When online requests open, the page will explain what happens after you submit.
Request form coming soon
No information entered here is submitted or sent to Eli.
This website is for general information. It is not an enrollment form, and viewing it does not start an application or create a coverage request.
Clear guidance starts with understanding your options.
Online call requests will open after the secure intake process is ready.