From individual coverage to group plans and Medicare supplements — we find the right health plan for you and your family.
We work with top-rated carriers to offer a wide range of health insurance options for individuals, families, and small businesses across Texas.
ACA-compliant major medical coverage for you and your family, with options at every budget level.
Offer your employees quality health benefits. Group plans qualify if you have 2–50 eligible employees.
Fill the gaps in Original Medicare — deductibles, coinsurance, and copayments that Medicare doesn't pay.
Round out your health coverage with supplemental plans that pay cash benefits directly to you.
Health insurance has a few key cost-sharing concepts. Here's what they mean for you.
The monthly amount you pay for your health insurance, regardless of whether you use it or not.
The amount you pay out-of-pocket before your insurance starts covering costs (beyond preventive care).
After your deductible, you share costs with the insurer — e.g., 80% insurer / 20% you — until your out-of-pocket max.
The most you'll pay in a plan year. After you hit this limit, your insurer covers 100% of covered services.
You can enroll during the annual Open Enrollment Period (typically November–January). You can also enroll during a Special Enrollment Period if you have a qualifying life event — job loss, marriage, birth of a child, move to a new area, etc.
The best time is during your 6-month open enrollment window that begins when you turn 65 and enroll in Medicare Part B. During this window, you cannot be denied coverage or charged higher premiums due to health conditions.
No — employer-paid health insurance premiums are generally not included in your taxable income. The employer can deduct the premiums as a business expense, and they are tax-free to you as an employee.
COBRA allows you to continue your group health coverage after leaving a job. It typically lasts up to 18 months (36 months for disability, divorce, or dependents). You pay the full premium (employer + employee share) plus a 2% admin fee.
