Step 1.  Check with your employer.

This is the first logical step.  It makes no difference whether or not your employer offers health insurance to their employees.  Even if they don't offer health insurance, employers almost always have a tons of information on the subject. Talk to your boss about it.  Find out what he or she knows.  You'll probably be surprised.

Your health insurance search may be over if your work provides health insurance coverage and you qualify.  Be certain to learn everything you can about the employee benefits package.  Don't just blindly sign up with a group health plan.  Make sure the plan is associated with the right physician network, and features the kind of benefits that will make it a good fit for you and your family's needs.

There may be a waiting period before you are eligible to be covered under the group plan.  If this is the case, you may need to purchase a Short-Term insurance policy to cover the time you are not covered.  There are several national health insurance companies that offer short-term health plans in Texas.  No matter what you do, don't make the mistake of going without health insurance 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 Georgetown, 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.

When it comes to deciding on the right health-care plan for you and your family, an insurance broker's knowledge can be invaluable.  An insurance broker can help you with every aspect of a health insurance plan purchase.  When deciding on the size of your health plan deductible, an insurance broker can explore the benefits and drawbacks with you.  They can concisely explain health plan co-insurances.  They can help you figure out if you're eligible for an Affordable Care Act subsidy.  Speaking with a health insurance representative is a natural first step you should take before obtaining a health plan.  Best of all, assistance from a health insurance broker is usually 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.



Finding affordable health insurance is more difficult than you may think.

Finding quality, low-cost health insurance can be challenging for a variety of reasons.  To begin, health insurance in the United States is undergoing a transformation.  The Affordable Care Act health insurance plan portfolio is available to more Americans.  Subsidies are available to an increasing number of people.  All of these changes have resulted in an avalanche of new information being published online.  Regrettably, a great deal of that information is either incomplete or inaccurate.  The average consumer has a hard time figuring out what's 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.



Our health insurance specialists 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.    512-898-9801