About Braeden

I got into health insurance because people deserve straight answers.

Too many people find out what their plan covers at the worst moment: a big bill, a denied claim, a doctor who isn't in network. I became a licensed agent so my clients don't have to deal with that.

Braeden Clements-Toliver, licensed health insurance advisor
Braeden Clements-Toliver — founder, BCT Health Advisors

The short version

I got into health insurance because too many people pay for coverage they don't understand, and nobody ever walks them through it.

When we talk, I start with you. Your doctors, your prescriptions, your budget and whatever has you worried. Then I lay out your options side by side, plain and simple. If the plan you already have is already a great fit, I'll tell you exactly that.

I stay your agent after you enroll, so when a question comes up, you have someone to call or text who already knows your situation. Asking questions costs you nothing.

“You should understand your plan before the day you need to use it.”
Track Record

The numbers behind the name

Top 2%
Of U.S. health insurance agents
30 min
Free intro call — that's all it takes to start
32
States licensed — verify any of them
$0
Cost to you, ever — carriers pay my commission
How I Work

Three commitments, every client, every time.

  • Every option, side by side. I'm independent — not tied to any single carrier. You'll see marketplace and private plans compared honestly, including the option of staying right where you are.
  • Plain English, always. Deductibles, networks, out-of-pocket maximums — I'll explain exactly what you're buying and where its limits are, the same way I'd want it explained to my own family.
  • I stay your agent. Enrollment isn't the finish line. Claims questions, renewals, doctor changes, new baby, new business — you call me, not a 1-800 line.

Tailored coverage for every client's unique needs — because no two households, and no two businesses, are the same. That's not a slogan; it's the only way this job works.

Work With Me

Let's find your plan.

Book a free 30-minute call — or verify my license first. Either order works for me.