Step 1.  Check with your employer.

This is the logical first step.  Whether your employer provides a health insurance package for their employees doesn't matter.  Employers almost always have extensive knowledge concerning health insurance issues - even if they don't offer it.  Bring up the subject with your supervisor.  Ask what he/she knows about it.  You will likely be surprised.

If your employer offers health insurance benefits and you qualify, your health insurance search just might be over.  Find out as much as you can about their employee package, as soon as possible.  There may be a time delay before you can qualify for benefits.  If so, you may need to pick up a Short-Term insurance plan to cover the time that you are ineligible for coverage.  Whatever you do, don't go without coverage.  It's not worth the risk


Step 2.  Visit Healthcare.gov.

Visit: Healthcare.gov to discover what health insurance plans are available in the CORPUS CHRISTI, TX region.  You will find all sorts of valuable information that can help you to make a smart health insurance choice.  Take a moment to review the meaning of health insurance terms like: Deductible, Coinsurance, and Maximum-out-of-pocket.  Having a good grasp of the meaning of such terms will simplify your decision making process.


Step 3.  Speak with a health insurance broker.

A quality insurance broker can assist you with every element of the health insurance purchase.  When it comes to determining the size of your health plan deductible, an insurance broker can help you weigh the advantages and disadvantages.  They will be able to help you better understand the nuances of health plan co-insurances.  They can assist you in determining whether you qualify for Affordable Care Act subsidies.  Their services are normally free.

Choosing a health insurance plan is not something to take "lightly".

There is a whole lot to consider when trying to track down an affordable, high quality, health insurance plan.   Unless you are a practicing insurance broker that works with health insurance all the time, there are a lot of important issues that you are likely to miss.  A great number of Americans are dissatisfied with their health insurance plan.  In many cases, the reason for this is not the health plan.  Rather, it is the consumer who chooses a plan without fully understanding the plan benefits.  Unfortunately, most consumers do not begin to understand how their health insurance plan works until a medical issue arises.  This is the wrong time to find out the meaning of such terms as "Deductible" or "Coinsurance". Choosing a health insurance plan is one thing you want to be sure to get right - before you need to use it.



Why finding a quality, affordable health insurance can be difficult.

There are several reasons why the process of finding an affordable health insurance plan can be difficult.  To begin with, U.S. health insurance is changing.  The Affordable Care Act program is expanding.  More Americans are now eligible for subsidies.  In addition, many Americans that previously were covered by Medicaid, are now eligible for coverage via the Affordable Care Act.  All of these changes have led to a flood of new online information.  Unfortunately, a great deal of the information out there is incorrect.  It is difficult for the average consumer to know what is what.

In addition, most consumers do not have a knowledgeable health insurance broker who can help them sort through all the new health plan information that is out there.  In Texas, finding an agent that will take the time to help can be quite a challenge.  Without this expert help, uncertainty and confusion is bound to be the result. 


ACA is more affordable.

In Texas, Affordable Care Act (ACA) health insurance plan options are more affordable than they were in previous years.  This is because the subsidies provided by the federal government are larger.  In addition, more Americans now qualify for a subsidy.



We can assist.

We understand how difficult it can be to choose the best plan for you and your family's needs.  Plan benefits, physician networks, deductibles, Rx coverage, and other components of a health insurance plan, should all be carefully considered.

Our licensed insurance professionals are happy to assist in sorting through all of the details in order to acquire a quality, affordable health insurance plan that meets the needs of you and your family.  Our services are free.  call now.    361 445-6540