What will my Texas health insurance options look like in the near future?
It’s a little early to tell just yet, but here are some likely outcomes. There have been some big, behind the scenes changes recently from Washington DC that will affect your choices of health insurance in Texas in the coming months. In this article, we’ll discuss three changes you may see, but be patient; it […]
2017 Health Insurance Open Enrollment is Nearing a Close
What else do I need to know? As we approach the close of open enrollment for the 2017 season, many of our clients still have questions, so we’ll do our best to address some of them in this article. When is open enrollment over? Open enrollment officially ends on December 15th, 2017, but there […]
Open Enrollment Guide for Individual Health Insurance in Houston
Let’s take you through the steps you’ll need in order to enroll in a Houston health insurance policy for 2018. Open enrollment is about to begin for plan year 2018 and you’ll need to know a few things to get started. First and foremost, the enrollment season this year will only last from November 1st-December […]
What is the current state of the Affordable Care Act with regard to individual health insurance?
Many current and future clients are still not aware of what the laws are surrounding the ACA with regard to their individual health insurance plans. It’s going on year nine now, after all, so let’s do a quick rundown. Essential Health Benefits: As it currently stands, in order for a plan to be “ACA compliant”, […]
What are the differences between small group health insurance and individual health insurance?
So let’s break this down piece by piece and you’ll quickly see the difference between small group and individual health coverage. Network Access: In Houston, there are only four health insurance carriers currently offering plans to individuals and families (non-group plans) and all four offerings are HMOs. The bummer of it is that none of […]
What are the criteria to create small group health insurance policies in Texas?
This is a common question from many of our small business owners. Some operate under a corporate veil and some as a sole proprietorship. Either way, you must meet certain tests in order for the health insurance carriers to accept your application for coverage. First and foremost, the State is irrelevant. The rules for small […]
A case study of one of our clients within the Houston health insurance market
I’m very surprised that since the Patient Protection & Affordable Care Act has been in place since 2010, that many of you are still not aware of the basic rules and what it can do for you. Please don’t get political on me, this is simply a case study of one of our clients who […]
Is a small group health insurance plan a better deal than a family plan?
Over the past year or so, we have converted about 20% of our clients from an individual policy over to a small group health plan through their business. Why would we do that, you ask? Let’s answer that question by being specific about a real client of ours in the Greater Houston area. We’ll keep […]
How Does Small Group Insurance Work?
Understanding the History of Small Group Insurance A bit of historic interest: Texas is considered by many to be the home of modern group health insurance. Though various forms of ‘insurance’ have been in existence since ancient times, it was in Dallas in 1929 that Justin Kimball implemented an idea that would help teachers pay […]
