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Our Pledge to you
Choice
Security
Options
Convenience
Customer service

We'll help you every step of the way

 

Our mission is to provide you with high-quality insurance plans that’s affordable and simple to apply for. Whether you're new to evaluating insurance or you've been enrolled for a while, you may need help to review what your options are. We know choosing insurance can be overwhelming, with too many options to consider. That’s why you need an agent you can trust to review your plan choices and cost - we'll help you simplify the process. Since 1999, we've been the trusted advisor for many people.

Our goal is to help you build a secure plan, 
Where You Come First.

Welcome

Prices are fixed by law.
You can't find lower rates anywhere!

Welcome

Prices are fixed by law.
You can't find lower rates anywhere!

You Come First
 Here's our goal

1

  Our business model is built on

top quality products
stability and honesty
client oriented service
customer satisfaction
confidentiality
referrals

Our mission is to help Texans build a secure plan!

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Choosing insurance can be overwhelming with numerous options to consider.

Let us help you simplify the process.

2019 ACA Open Enrollment Period

Nov 1 - Dec 15, 2018 

Quote Insurance & DISCOUNT Options
Compare benefits and cost. Select a plan with confidence!
Our mission is to help you build a secure plan.

Here's what our clients are saying  see more
This
is not a paid endorsement 

We give you a choice
Select from a variety of quality plans.
We make it convenient for you
Easy to review plans and apply.
We give you security
Good coverage means peace of mind.
We help to make it affordable
Find coverage you need.

Why do you need health insurance

Most people focus first on the premium. While that’s an important factor, you need to review what your dollars get you. If you think about it, you are buying insurance to cover the major expenses, like a surgery or serious accident. Generally, most of us could afford the expense for a hand full of doctor’s visits. If you do get sick or have an accident an inpatient hospital stay may cost thousands of dollars. Putting a cap on what you may owe with a Texas health insurance plan is the best protection from high medical bills. It's important to remember, if you don't buy health insurance coverage you will be responsible for 100% of the cost of your medical care. 

Special Enrollment Period

After ACA Open Enrollment ends, you won't be able to get health coverage through the Marketplace until the next annual enrollment period, unless you have a qualifying life event*

*Qualifying Life Event - here's some of the events that generally qualify you for a special enrollment period:

Marriage or divorce, having a baby or adopting a child, losing other health coverage due to losing job-based coverage, COBRA expiration, aging off a parent’s plan, and similar circumstances.    Read more.

Health insurance options

If it's during the Open Enrollment Period, you may be able to purchase an ACA plan. If you are outside of Open Enrollment, and not eligible for a Special enrollment period, you may consider a Texas Short Term health insurance plan. These plans offer limited benefits that do not meet the essential benefits of the government’s ACA requirements. 

When can I buy a ACA health plan

The Affordable Care Act (ACA) Open Enrollment Period is the time when you may be eligible to select a individual health insurance plan. It runs from Nov 1 to Dec 15 each year. 
If your situation changes, after this time period, you may be eligible for a Special Enrollment Period. If you have a qualifying life event, you could have a 60-day special enrollment period to secure a new plan.

Starting with the 2019 calendar year, if you don’t have qualifying health coverage, the penalty no longer applies.
Short Term plans are an option to ACA Health Insurance.
 
 

Note: This change will take effect with 2019 taxes, which are filed in early 2020. See details.

Whether you're looking for
Affordable Care Act (ACA) Health, Medicare Supplement, LifeDental or Long Term Care Insurance
We're here to help you!