Step 1.  Check with your employer.

This is a great first step, regardless of whether your employer offers a group health plan.  This is because employers are bombarded with group health insurance proposals and information.  Group health insurance is an employee benefit that is always under consideration.  Bring up the subject with your supervisor or boss.  There is a good chance that they can steer you in the right direction.

If you place of employment has a group health plan option, great!  Your health insurance search may be over.  However, be certain to learn everything you can about the employee health plan before signing up.  The fact that a health plan is available, does not mean it is an ideal plan for you and your family.

Also, there could 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 San Antonio, 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.  Contact 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".

When looking for a quality Texas health insurance plan, there are multiple issues to consider.  Also, there are plenty of important health plan particulars that are easy to overlook.  Many Americans end up not liking their health insurance plan once they actually have to utilize it.  More often than not, this dissatisfaction is caused by the customer selecting a plan without fully comprehending its benefits.  To avoid being trapped in a health plan that does not adequately serve your needs, it is critical to fully understand how the plan works - before you purchase it.



So why is acquiring affordable health insurance so difficult?

There are a myriad of reasons why obtaining affordable health insurance plan can be challenging.  At the root of the problem is the fact that health insurance in the United States is in a state of change.  The Affordable Care Act is having an increasing impact on American health insurance.  ACA Subsidies are now available to a larger number of Americans.  Furthermore, more Americans who previously had Medicaid coverage, are now eligible for health insurance coverage via the Affordable Care Act.

All of these changes have resulted in an avalanche of new online data.  With a much of the information being incomplete or inaccurate, the average consumer is having a difficult time figuring out what is what.

In addition, with so many other things to worry about, most people do not devote a lot of time keeping up with the complexity of US health insurance. The average consumer needs the assistance and guidence of a licensed health insurance agent. In Texas, it is becoming increasingly difficult to find an agent that takes the time to personally assist customers.


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 are happy to assist.

We know how confusing choosing a health insurance plan can be.  Plan benefits, physician networks, deductibles, Rx coverage, price, and other factors all need to be carefully considered.

Our team of insurance professionals will gladly assist you in sorting through all of the details in order to find a high-quality health insurance plan that meets your needs and fits within your budget.   Our services are free.  call now.    (704) 965-6344