Coverage by Kuhl
Nicholas “Nick” Kuhl
Licensed Independent Health Advisor
As a husband, father, and licensed independent advisor, I understand how important it is to protect your health, income, and legacy.Through Coverage By Kuhl, I help families and 1099 professionals navigate both Marketplace and Private PPO coverage with clarity, honesty, and a no-pressure approach — so you can feel confident about your plan and focus on what truly matters.
Powered by Cornerstone Legacy Group.
Understanding Health Coverage Shouldn’t Be Confusing.
Clarity. Confidence. Coverage You Can Count On.
Most people I talk to are frustrated — they’ve been getting calls from every direction, hearing ten different stories, and still don’t know which plan actually makes sense for their family or budget.
That’s where I come in. I walk you through both Marketplace and Private PPO options, explain the differences clearly, and help you compare coverage the same way I would for my own family — with transparency and zero pressure.
Whether you’re self-employed, between jobs, or just exploring better benefits, my goal is simple: make sure you understand every option before you decide on anything.
Plans & Coverage Options
Compare all your choices in one place — with clear guidance, no pressure, and honest recommendations.
Private PPO Health Plans
Enjoy flexible, nationwide coverage that isn’t tied to government subsidies or state networks.
These plans often include lower deductibles, larger provider networks, and customizable benefits that fit families, 1099 professionals, and small business owners.
Ideal for those who value freedom to choose their doctors and predictable monthly costs.
Marketplace (ACA)
Federally-regulated coverage with income-based subsidies and tax credits to reduce monthly premiums.
I’ll help you compare options from all major carriers, confirm eligibility, and make sure your plan still meets your budget under the new 2026 rate updates.
Perfect for individuals and families looking for affordable, compliant coverage with guaranteed essential benefits.
Dental & Vision
Affordable add-ons that protect what most plans overlook — your everyday care.
Options include routine exams, cleanings, eyewear allowances, and major services, all at predictable monthly rates.
Great for families or anyone wanting full-spectrum protection beyond medical coverage.
Supplemental Protection
Extra financial protection for life’s unexpected moments — including accident, critical illness, and hospital benefits that help offset out-of-pocket costs.
These can pair with either Marketplace or Private PPO plans to reduce exposure to high deductibles.
Simple, flexible options designed for peace of mind when you need it most.
What Clients Are Saying
Real experiences from families, professionals, and small business owners who found peace of mind through honest, personalized guidance.
“Nick made everything easy to understand and got our family covered in under 20 minutes. We’re saving $300 a month.”
Amanda R., Tennessee
“As a 1099 contractor, I didn’t think I’d qualify for good coverage. Nick found a private PPO plan that actually worked for my needs.”
Jason L., Florida
“No pressure, no spam calls — just straight answers. I’ve already sent two friends to him.”
Sarah P., Texas
Coverage Review Call
Let’s review your coverage options together.
During this quick call, we’ll compare both Marketplace and Private PPO plans to see which fits best for you or your family — based on network access, premiums, and overall protection.
You’ll get clear answers, no pressure, and a full understanding of how the new 2026 rates and subsidies affect your coverage options.
(Average call time: 10–15 minutes)
