Agent:  Ruth Stewart

NPN number

(for the govt):  1103110



Fast enrollments!

IF you:

- Live in Texas

    ...  and  ...

- Might qualify for a

  Tax Credit

(if your income is low enough)

 Click Here !




Ruth Stewart


Texas License:



National Producer ID Number:



  If you're using to enroll, the only way to get your own agent is to enter your agent's NPN ID number in the tiny (almost hidden) box called:  

- Is anyone helping you?


You can enter Ruth's NPN ID # in the box:








Just call us for help!

Toll Free Line:


Houston Line:









Open Enrollment for 2018 Health Insurance Plans:


Nov 1, 2017

   ... to ...

Dec 15, 2017









Special Enrollments

outside of Open Enrollment

are allowed IF you have

a Qualifying Life Event



- Lose coverage

at no fault of your own

- Have a baby

- Get married

- Get divorced

- Move to a different rating area

- Have a significant


- And more

















Quick Quotes &

Enrollment Links



Use our

Fast Enrollment Engine









Off-exchange =

You do not qualify for a tax credit.

You want to avoid govt interaction as much as possible.






 Terrible prices!








Try Community Health Choice HMO 

... (in HoustonBeaumont areas)  

...for Memorial Hermann doctors & hospitals!


Community Health Choice offers a nice selection of plans VERY reasonable prices!!!

...with a nice, large network (for an HMO)!!!


Community Health Choice HMO  &

Molina Healthcare HMO plans can be compared HERE 


They'll offer the best "buys" (cheapest prices & excellent benefits)... most areas of Southeast Texas for 2018!


Molina's Doctor Network is

small !!!


...Do not choose a Molina Plan until you look at the selection of doctors available.



Oscar Health Ins

...Only available in these areas:


   New Braunfels

   San Antonio

....Great prices for 2018!!!


Use the Oscar link above to enroll...

...for OFF-Exchange coverage.


Don't use it to Run Quotes!


Their OFF-Exchange Quote Engine does NOT help you compare their plans side-by-side very well at all.



-Run Quotes

-Compare Oscar's plans




Scott & White

...Will offer one EPO Plan in 2018!

.....But, only in limited Tx counties

  - Limited DFW areas

  - Limited Central Tx areas


Deductible is high & it's not cheap!


Only available OFF-exchange

& you must request a special quote from Ruth.




United HealthCare   (UHC)




Temporary Short-Term Coverage

 Quotes HERE


This free-market coverage is still priced right!


Why is it still today's high-priced market?

Because the govt has not stepped in to control this market.  

It's still a free-market product.


But, the govt will charge you their Tax Penalty if you buy free-market coverage.


Temporary ShortTerm policies do not cover:


1 - Pre-existing medical conditions!

       ...If you have a lump on your neck, don't buy it!

       ...This market is for those who are squeeky-clean healthy


don't mind paying cash for the small pre-existing stuff (like allergies) save thousands in monthly premiums!


2 - Wellness check-ups

       ...If you have a small child, this might not be the right choice for you.


These policies cover future illnesses or injuries that might happen to you in the future (while you own the policy).


They offer excellent catastrophic coverage for those unexpected things that might the best prices on the market!!!


There is underwriting involved.  They'll ask you a few health questions.

If you can answer "no" to their few questions, coverage is instantly issued.

Answer their questions carefully!  

They won't cover your claims if you have a history of any of the conditions listed in the questions...and did not tell them up front!


If you have high blood pressure, this is not a safe "buy" for you!

If you have a history of cancer, this is not a safe "buy" for you!



Shop online for the best health insurance rates in Texas!






Old PPO Network Links...

...for OLD plans:




Choose:  Individual Advantage Members (on 1st screen)


Note:  Aetna has different networks for each different plan!


You'll need to choose the plan you like best 1st!!!






Temporary Short-Term Plans:

- Use the CHOICE PPO network


2015 Plans:

- Choice PPO Plans

...Use the Choice PPO network

- Advantage HMO Plans

...Use the Advantage HMO network






2015 Plans:

- Use the Local PLUS network






Look for:      

Physician Finder

...near bottom on LEFT side of screen

- HMO Connect Plans -

...Use the HMOx network


- National Direct POS Plans -

...Use the National POS network









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