Best Health Insurance Rates in Texas
Fast ACA (Obamacare) Quotes! Click Here
Update from Ruth - Dec 4, 2017:
Our Billion-Dollar Mickey-Mouse System gets worse every year!
It's time to enroll, but expect enrollment problems!
Just know that the problems are always ironed-out in the end.
Update from Ruth - Nov 3, 2017:
Please remember that the Enrollment Systems are always full-of-bugs during the 1st 2 weeks of Open Enrollment!!!
The Quoting Systems are working fine!
The Tax Credit Estimates are working fine!
But, the Enrollment Systems are NOT !!!
Please plan to enroll after Nov 15th......for a smooth enrollment experience!!!
Enroll by Dec 15th ...... for coverage to be effective ON Jan 1, 2018.
Most people cannot enroll after Dec 15th!
You'll need a Life-Changing Event to buy 2018 coverage after 12/15/17.
The insurance companies are so far behind this year!
They are still loading literature into the systems.
They are still mailing out your Renewal Letters (with your 2018 options & prices).
We are still in meetings with them regarding 2018 changes.
They are still finding bugs in their 2018 Enrollment Systems!!!
Ruth's NPN # for the govt: 1103110
Agent: Ruth Stewart
Temporary ShortTerm Coverage
Use ANY doctor or hospital with most of these plans!
Lowest prices anywhere....Click HERE
If you are in excellent health, consider Temporary ShortTerm coverage...from a stable company...in a stable market...with prices that are still governed by the FREE market!
These are not ACA policies!
There's no Tax Credit available for those in lower tax brackets.
But, if you can't qualify for a Tax Credit, this is worth considering...for those in excellent health.
Some of the small insurance companies are in serious financial trouble! More info HERE
ACA Tax Credits:
Just use our Fast ACA Quote Engine to quickly see if you can qualify for a Tax Credit!
Fast ACA Enrollments!
Our ACA (Obamacare) Quote Engine will give you FAST Quotes....AND take your ENROLLMENT
It will apply your Tax Credit FOR you....instantly!
Everything is submitted to the government site, as well as to your new insurance company.
Saves you hours of time & frustration!
Instant Health Plan Quotes...with your Monthly Tax Credit (from the govt) deducted from your quotes...compared side-by-side within seconds!
- Best prices appear 1st
- Then, you can sort by Insurance Company (if you want).
- Or.........you can sort by Plan Type (HMO, PPO, EPO plans)
- You can use the drop-down box to sort by "Lowest Deductible"...and more
Hospital Plan.....to supplement High-Deductible Plans - Click Here
Less than $30/month for $6350 Hospital Benefit.....Paid direct-to-you for a hospitalization.
See: Out-of-Pocket Protection Plan.....on 1st screen.....to run-a-quote.
2018 Plan & Network Links are in your quotes - Fast Quotes Here
Most Texas Health Plans will use HMO networks again in 2018!
HMO's are cheaper, but:
- HMO networks are smaller than the old PPO networks we've always had in the past.
- There is usually no out-of-network coverage...........except for serious emergencies!!!
- You'll usually need to choose a PCP (Primary Care Physician) who will coordinate all of your care.
- Your PCP must usually refer you to a Specialist..................or the Specialist Visit is NOT covered!!!
Many of the new 2018 health plans are HMO hybrids............with special rules for each separate plan.
....Like: Some won't require a PCP. Others will.
Nothing is consistent for 2018! Every plan (and their rules) are different!
The Summary-of-Benefits (for each plan) is available in your quotes.
We'll help you carefully review the Summary-of-Benefits for the plan that you like best.
EPO's are very, very similar to HMO's (with many/most of the HMO drawbacks listed above).
Most EPO's will have:
- NO out-of-network coverage (except for serious lifethreatening emergencies)
- NO referral required to see a Specialist in your network
If your favorite doctor is not in your 2018 network:
- Your enrollment is securely transferred to HealthCare.gov
- Saves you time!
- Our Enrollment Engine is govt approved....for secure ObamaCare enrollments....without all of the frustrations & headaches we experience on the govt site.
......Designed by Silicon Valley gurus who know what they're doing!
.........It's simple, smooth & works...every time! And, it's lightning-FAST, too!
You'll have a personal Health Insurance Agent when you enroll on our site....at no extra cost to you.
We're here for you...... when you:
- Have questions
- Need assistance
- Need help comparing plans & benefits
- Want to make sure you're choosing the right plan & network
- Want to understand your policy or make changes in the future
If you feel that you must enroll on the govt website (& you enjoy frustration), but you want (or need) an agent:
- You must enter your agent's NPN ID number in the tiny (almost hidden) box called: Is anyone helping you?
Agent: Ruth Stewart
NPN ID number: 1103110
Off-Exchange Health Plans
For those who cannot qualify for a Premium Tax Credit from the govt
You want to avoid interaction with the govt as much as possible
Best OFF-Exchange ACA Rates... Instant Rate Quotes HERE
(Best rates for Temporary Short-Term Policies HERE )
- Compare plans side-by-side
- Use the Off-Exchange Quote Engine to run quotes & pick the right plan
- But, you can't use the OFF-Exchange Quote Engine for enrolling.
- Use the links in the far right column of our website for fastest enrollments>>>
The direct insurance-company links (in far-right column>>>) will be easiest & fastest for completing an
Off-Exchange enrollment application. >>>>>>>
Maternity & Childbirth Delivery:
Maternity benefits are included in all Texas health insurance plans (purchased in 2017 or 2018).
....PreNatal Care & Childbirth Delivery are covered the same-as-any-other-condition.
.....Everything applies to one deductible (per person). Baby has a separate deductible to meet after the birth.
.......But, a hospitalization for pneumonia would apply towards the same deductible as your childbirth hospital bills.
Pre-existing Health Conditions:
Pre-existing health conditions are also covered on all new health insurance plans.
But, check the "Drug Lists" (Rx Formulary List) for the plan you like best...to be sure that your meds will be covered!
.......Our FAST Quote Engine (1st link above....at top of this screen) will work best for searching the "Drug Lists"......as well as the "Doctor Lists" .....to make sure that your doctor(s) and hospital(s) are in your 2017 network choice.
There is no waiting period for pre-existing condition coverage.
And, you cannot be denied coverage because you have pre-existing medical conditions.
All Other States ... Best Health Insurance Rates ... Get Quotes HERE
All of our health insurance plans offer good, solid, comprehensive major medical health insurance coverage for you & your family.
All of our plans have been approved by the government.
We are certified (by the govt) to assist you with your research & enrollment.
The ACA law (Obamacare) has caused health insurance costs to skyrocket. But, never fear, tax credits are here (if your income is low enough). The ACA Tax Credits (often called subsidies) are paid to your insurance company each month....to lower your health insurance premiums.
See if you can qualify for a Tax Credit....FAST:
Your tax credit must be reconciled on your federal tax return each year.
If they paid you too much (each month ... to your insurance company ... on your behalf), you may owe them all or part of the overage back with your tax return.
If they didn't pay you enough (to your insurance company...ea month), you might get a refund with your tax return.
The law is complex! We can help you understand this further. But, ultimately, your tax advisor is the expert. We are not licensed tax advisors, so we cannot legally give you tax advice.
If you are married, you must plan to file a joint tax return (to get the tax credit).
Dental insurance coverage is now required for children.
Many health insurance plans will include dental insurance coverage.
Others will offer a separate dental plan.
Texas - Use any dentist - Click Here
.........or........for BETTER dental benefits, but HIGHER premiums - Click Here
- Are under age 30 (and don't qualify for tax credits)
- Qualify for a Hardship Exemption
If you are self-employed, you must have at least 2 full-time employees on the payroll.
One of these employees can be you!
If you are a husband & wife team, you don't need an extra employee with some of the insurance companies.
Small group coverage is more popular than ever before; because they still offer PPO Networks ....with out-of-network coverage, too!
Houston Metro: (713) 932-9072 ... Toll Free: (888) 777-0474
Ruth Stewart Insurance Agency
11002 Hammerly #1
Houston, Tx 77043
No, this is not a recent picture.
I've been aging at least 10 years for every year of Obamacare stress!
I now look like I'm ancient...after 4 stressful years of Obamacare Open Enrollment seasons.
Too much to do...too little time to do it...in the SHORT Open Enrollment season allotted each year!
People say that I have "President's Syndrome" (severe changes in appearance due to government-induced stress)!
And, they are right!
Can't wait for the free-market Health Insurance Industry to return!......along with our Texas Risk Pool.
I'll even welcome Free Govt Care for ALL......even though it will tax us into poverty!
I've only stayed here to help my clients wade through this tangled web of red tape.
Not because I've enjoyed 1 minute of this government manipulation & constant changes to their rules, laws, & regulations!
For much less than minimum-wage compensation....often zero comp.....while insiders make their fortunes on our backs.
FPL (Federal Poverty Level) Calculator:
- Medicaid coverage will be available for many who fall under 100% of FPL (the Federal Poverty Level)....but not all !
- Government subsidies (premium tax credits and cost sharing reductions) will be available (to help reduce your health insurance premiums & out-of-pocket medical costs) for many who fall between 100% - 400% of FPL (Federal Poverty Level)...but not all !
The new ACA law (including the tens-of-thousands of pages of rules, regulations, interpretations, clarifications & guidelines) are complex!!!
There are many exceptions to the rules!
And, many of them are ambiguous.
We've spent hundreds & hundreds of hours studying the new ACA law (and associated documents). And, new documents are released all the time.
The information provided on our website is not intended to be legal (nor accounting) advice!
As health insurance agents, we're simply trying to inform the public (in our own words).
We have earned formal certificates from the federal government, authorizing us to help with ACA (Obamacare) enrollments (applications for health insurance plans).
- The ACA (Obamacare) law
- Your attorney
- Your licensed tax advisor
- Your licensed health insurance agent
....for specific details concerning your particular situation.
Licensed Texas Health Insurance Agent
Tx License #1012551
NPN ID number (for the government site): 1103110
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ACA = Affordable Care Act (Obamacare)
PTC = Premium Tax Credit
APTC = Advanced Premium Tax Credit (that can be applied to your monthly health insurance premium....to reduce your monthly price)
CSR = Cost Sharing Reductions (that can reduce your out-of-pocket medical costs....like reduced/lowered deductibles, co-pays & co-insurance)
Deductible = The amount that the insurance company deducts before paying your health insurance claims.
Deductibles are usually waived for certain benefits (like Dr visit copays).
Deductibles are also waived (IN network) for mandated preventive-care services.
Co-pay = A set fee (out of your pocket) for health insurance services (& treatment)
Co-insurance = You pay part & insurance pays part (until you hit 100% coverage)
Like: 80/20 coverage.....Insurance pays 80% & you pay 20%
Out-of-pocket Maximum = The maximum you'll pay out-of-pocket (per calendar year) for covered medical treatment
This will include deductible, co-pays & co-insurance
You'll often see these abbreviations: OOP and MOOP (Maximum Out Of Pocket)
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OLD Plans (Grandfathered or Grandmothered):
PPO Networks for each Tx Insurance Company
We collect certain personal information from you in order to help you select your health insurance coverage....like:
- Name, address, telephone number, email address
- Date(s) of birth
- Social Security number(s)
- Household income
We will only use your information to help you obtain insurance coverage & service your policy (policies).
When you apply for a policy, your information is securely transferred to your selected insurance company, as well as to federal & state agencies, as required by law.
We are required by law to keep your information safe & protected (locked up, secured by firewalls, etc). We will not share your information with any outside sources (except as mentioned above....when you apply for a policy).