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Compare Texas Health Insurance Quotes

We offer individual and family health insurance in Texas direct to consumer. There are no extra costs to place your business with our independent insurance agency. We offer health plans both on and off the federal exchange.

We license direct with all health companies and can help you find the insurance policy that best fits your needs and budget. You can use our direct quoting software below or contact us to speak with an agent.

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United Healthcare/Golden Rule Insurance

United Health One

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  • Very Affordable Monthly Rates
  • Short Term Plans (1-12 months)
  • Health Savings Accounts
  • Popular Dental & Vision
  • Large Nationwide Network

Humana Health Insurance Plans In TX

Humana

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  • Coverage In Dallas Area
  • Health Savings Accounts
  • Individual & Family Plans
  • Stand Alone Dental Coverage
  • Stand Alone Vision Insurance

Aetna Health Insurance Quotes

Aetna

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  • Preventive Care Options
  • Health Savings Accounts
  • Nationwide Networks
  • Add-On Dental Coverage
  • Low Doctor’s Office Copays

Texas Health Insurance Quotes & Coverage

If you shopping for an individual health insurance plan, we can help. Depending on your needs, we have several affordable options for you to choose from. We offer plans both on and off the federal health insurance exchange. If you qualify for a tax credit/subsidy, then shopping on the exchange will provide you with the most savings.

Many of our insurance companies cater to the individual market. Whether you are self-employed and in need of a permanent long term plan or between jobs and needing short term coverage, we will help find the most suitable coverage for you.

With the implementation of the Affordable Care Act, all plans cover maternity expenses and child only health insurance can once again be purchased. Coverage must be purchased during open enrollment unless you have involuntarily lost your coverage or you are experiencing a qualifying life event.

Family Health Coverage Insurance In Texas

Typically, family health plans will be more permanent in nature, but we also offer short term family insurance coverage as well – depending on your circumstances. It is important to note that short term plans do not avoid tax penalties.

Those with young children will be happy to know that all plans must cover preventive care without the insured first reaching the deductible. Well child care, vaccinations and other preventive care will be covered on a first dollar basis as well. In other words, these services are not subject to the deductible.

We can help you decide between plans that offer a doctor’s office copay and those that leave more incidental out-of-pocket expenses up to the insured – like a health savings account.

If you or a family member visits the doctor frequently, then it might be best to choose a plan with a low office copay. However, if you are more comfortable paying for visits on your own or through an account with tax advantages, then a HSA qualified plan may be best as the monthly premiums will be lower.

What Are Health Savings Accounts?

Health savings accounts are simply tax-qualified accounts that can be attached to certain high deductible health insurance plans. The primary advantages of HSA qualified plans are lower premiums and yearly tax deductions.

First you must choose a qualified individual or family health plan. Then you can decide whether you want to also setup a health savings account. Contributions to HSA’s can be written off against your income, will grow tax deferred, and can be withdrawn on a tax free basis for qualified medical expenses.

Health plans offering a HSA option will leave most of the incidental out-of-pocket expenses up to the insured – except for preventive care. This means that most doctors visits and prescription drugs are paid for by the insured until the deductible has been reached. However, contributions to the HSA can be used to pay for these incidentals while also providing tax advantages.

Health savings account contributions always belong to the insured. If you cancel your insurance at a later date or move to another plan, your HSA monies still belong to you. In no way are they ever surrendered involuntarily to the insurance company. They could be used to voluntarily meet your deductible however.

Optional Dental And Vision Insurance Coverage

Many of our health insurance carriers also offer ancillary benefits like dental and vision coverage. These benefits can be added to an existing health plan or purchased on a stand alone basis. There will usually be some waiting periods for certain benefits to take effect, but typically there is no medical underwriting needed with dental and vision insurance.

Additionally, a few carriers will also offer options for life insurance coverage, accident, and disability benefits. These benefits can be added to your health plan or purchased on their own depending on your needs. We work with several carriers offer ancillary benefits of all kinds.

Our Independent Health Insurance Agency

Our independent agency provides Texas health insurance coverage direct through the entire state.. We offer insurance coverage to you without any additional fees or commissions. Insurance prices are controlled by law, so you will not find better prices online or direct from any other provider.