Thorn Allison

Thorn Allison 50+ year old Health & Life insurance brokerage dedicated to providing you with affordable options!

Third one. Same setup, this time a family of four.Two parents, both 35. Two kids. Oklahoma.At $45,000 the whole househol...
09/08/2026

Third one. Same setup, this time a family of four.

Two parents, both 35. Two kids. Oklahoma.

At $45,000 the whole household shows up eligible for SoonerCare.

At $85,000 a Silver plan runs $609 to $1,544 a month depending on the carrier.

At $135,000 the subsidy is gone and that same family is looking at $1,766 to $2,701.

Same four people. Same deductibles, $6,000 to $6,300 per person. Only the income changed.

Here is the part people miss. There is a private side of this market that does not ask your income. It never appears on healthcare.gov because those carriers do not list there. They sell through appointed brokers, so you will not see it unless somebody carrying it walks you through it.

Look at that high income column and you can see why this matters to self-employed families. Roofers, realtors, barbers, HVAC techs, anybody writing their own paycheck.

Be clear-eyed about it. These plans work differently. Most ask health questions. Some are limited benefit plans, not full coverage. They can fit a healthy family very well, and anyone who tells you they fit everyone is selling, not advising.

What you deserve is to see both shelves before you decide. That conversation is free, and if the marketplace is your better deal I will tell you straight.

Click the link below to find out what is available to you.

https://www.modernhealthcareplans-thorn.com/get-a-quote

Modern Healthcare Plans of America. Smarter Solutions, Healthier Futures.

09/04/2026

Honest question for the self-employed folks.

What is the one thing about health insurance that nobody has ever explained to you in plain English?

Not looking for a sale here. I will answer whatever comes up in the comments, and if it is a good one I will make a post out of it.

Deductibles, networks, what happens if you get sick mid-year, why the price jumped, why the guy on the phone would not give you a straight answer. Whatever has been sitting in the back of your head.

Ask it.

Getting declined once does not mean you are uninsurable.It means that one carrier, using that one set of health question...
09/01/2026

Getting declined once does not mean you are uninsurable.

It means that one carrier, using that one set of health questions, said no.

A different carrier asks different questions. And guaranteed issue plans do not ask them at all.

Most people who get turned down never find that out, because they stop looking.

If somebody told you no, tell me who and what they asked. There is usually another door.

Click the link below to see whats available to you.

https://www.modernhealthcareplans-thorn.com/get-a-quote


Here is a look at what I actually do. Find yourself in this and you will see how I would work it for you.A 35 year old m...
09/01/2026

Here is a look at what I actually do. Find yourself in this and you will see how I would work it for you.

A 35 year old male in Oklahoma:

At $22,000 he qualifies for SoonerCare.
At $50,000 a subsidy drops the Silver plan to $421 a month.
At $65,000 the subsidy is gone. Same plan, $543. The other Silver options are $744 and $830.

Same plan. Same $6,300 deductible. Same guy. Only his income moved.

But that is only half the picture. There is a private side of this market that never asks your income. Those carriers do not list on healthcare.gov and you will not find them on your own.

And it is not one product. Some are medically underwritten. Some are limited benefit plans for everyday needs. Some are guaranteed issue, for folks who have been told no before or figured their health ruled them out.

That is the difference in how I work. A lot of brokers have one or two products and everyone gets squeezed into them. I carry enough carriers to look at your real situation and find the one that fits.

And if you qualify for SoonerCare or a real subsidy, that is your better deal. I will tell you so, even though it pays me nothing.

Whatever your income, whatever your health history, this conversation is worth having.

Free to check. Takes a few minutes.

https://www.modernhealthcareplans-thorn.com/get-a-quote

Open enrollment starts November 1. Let me show you something first.Family of five here in Oklahoma. Self-employed, healt...
08/28/2026

Open enrollment starts November 1. Let me show you something first.

Family of five here in Oklahoma. Self-employed, healthy, and making just enough to get no help at all on the marketplace. Their Bronze plan came back at $2,400.29 a month. With a $7,500 per person deductible on top of it.

I ran the same five people off the exchange. $706.74.

They never would have found that on their own. Private plans are not listed on healthcare.gov, or anywhere public. That is what a broker is for.

They are also not stuck on the enrollment calendar. I can write one any day of the year, and you can cancel a marketplace plan whenever you want.

Just get approved before you cancel anything. These are underwritten, so not everyone qualifies.

Costs you nothing to let me look.

https://www.modernhealthcareplans-thorn.com/get-a-quote

A $225,000 heart valve replacement. His out-of-pocket cost? $0.And that’s not even the part of this claim that gets my a...
08/20/2026

A $225,000 heart valve replacement. His out-of-pocket cost? $0.
And that’s not even the part of this claim that gets my attention the most.
This client spent 13 days in the hospital after heart valve replacement surgery. The hospital alone billed approximately $225,000, and the facility was out of network.
This is where having the right coverage working together made a tremendous difference.
His cover paid first, with approximately $52,478 in benefits paid across the claim. His additional Specified Disease coverage then helped address the major remaining exposure.
The end result: $0 out of pocket for the surgery.
And because of how the benefits worked, he also received money directly.

One of those checks was for $27,478.91, with additional benefit checks bringing the total cash received to approximately $32,000–$33,000.

Think about that for a second.
He went through a major heart surgery, was hospitalized for nearly two weeks, and was out of work for months.

Instead of a six-figure medical bill becoming a financial disaster, his coverage did what it was designed to do when he needed it most.

This is why we don't just sell a health plan and disappear.
At Modern Healthcare Plans of America, our goal is to help our clients understand their options, structure their coverage around their needs, and be there to help them every step of the way when it comes time to actually use it.

Every person, policy and claim is different, and results are not guaranteed. But real claims like this are exactly why I believe people should know what options are available to them.
If you're self-employed, own a business, pay for your own health insurance, or simply want to know if there's another option available, let's run the numbers.

👇 See what you could qualify for and book a call with me:
https://www.modernhealthcareplans-thorn.com/get-a-quote

You may have more options than you realize.

A $225,000 heart valve replacement. His out-of-pocket cost? $0.And that’s not even the part of this claim that gets my a...
08/20/2026

A $225,000 heart valve replacement. His out-of-pocket cost? $0.

And that’s not even the part of this claim that gets my attention the most.

This client spent 13 days in the hospital after heart valve replacement surgery. The hospital alone billed approximately $225,000, and the facility was out of network.

This is where having the right coverage working together made a tremendous difference.

His cover paid first, with approximately $52,478 in benefits paid across the claim. His additional Specified Disease coverage then helped address the major remaining exposure.

The end result: $0 out of pocket for the surgery.

And because of how the benefits worked, he also received money directly.

One of those checks was for $27,478.91, with additional benefit checks bringing the total cash received to approximately $32,000–$33,000.

Think about that for a second.

He went through a major heart surgery, was hospitalized for nearly two weeks, and was out of work for months.

Instead of a six-figure medical bill becoming a financial disaster, his coverage did what it was designed to do when he needed it most.

This is why we don't just sell a health plan and disappear.

At Modern Healthcare Plans of America, our goal is to help our clients understand their options, structure their coverage around their needs, and be there to help them every step of the way when it comes time to actually use it.

Every person, policy and claim is different, and results are not guaranteed. But real claims like this are exactly why I believe people should know what options are available to them.

If you're self-employed, own a business, pay for your own health insurance, or simply want to know if there's another option available, let's run the numbers.

👇 See what you could qualify for and book a call with me:

https://www.modernhealthcareplans-thorn.com/get-a-quote

You may have more options than you realize.

Are you paying too much for health insurance and getting less coverage than you expected or even realize it?The ACA Mark...
07/16/2026

Are you paying too much for health insurance and getting less coverage than you expected or even realize it?

The ACA Marketplace is not always the best fit, especially for self-employed individuals, families, and small business owners. Private health insurance options may offer lower monthly premiums, broader PPO network access, and more flexibility.

The numbers shown in this comparison are based on the options I reviewed for myself and my family of 7. Pricing, benefits, and eligibility will vary, but it may be worth seeing what options are available to you and your family.

Get your free quote and compare your options here:

https://www.modernhealthcareplans-thorn.com/get-a-quote

07/13/2026

Are you self-employed or a small business owner?

You may be paying more than you need to for health insurance.

Hairstylists, barbers, contractors, roofers, realtors, financial advisors, and other self-employed professionals may qualify for private health insurance options that could help them save 30% to 70% on monthly premiums while receiving coverage that better fits their needs.

Let’s compare your current plan and see what options may be available to you.

Get your free quote here:
https://www.modernhealthcareplans-thorn.com/get-a-quote

07/09/2026

Most people don't know there's another option.

Everyone gets funneled into the same ACA marketplace, healthy and sick lumped into one giant pool. And when that happens, the healthy folks end up footing the bill for everyone else.

Here's what we do differently: we place you in a pool built for healthier individuals. Less risk, fewer claims from day one, and premiums that actually reflect your health.

If you're healthy or even semi-healthy, we can show you how to save 30 to 70% on your monthly premiums.

We work with self-employed tradespeople, realtors, roofers, barbers, plumbers, HVAC techs, contractors, anyone who earns too much for subsidies but still wants real coverage at a fair price.

Curious how much you could save? Get a quote here:
https://www.modernhealthcareplans-thorn.com/get-a-quote

Smarter Solutions, Healthier Futures.

Address

3033 NW 63rd Street, STE E-104
Oklahoma City, OK
73116

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+14057246211

Website

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