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 Granbury, 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 local 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".

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 health insurance 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, and more Americans qualify.



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.    (855) 201-7143