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 lot of knowledge about it. Bring the topic up with your boss.  Inquire about what he or she knows about it.  You'll probably be surprised.

If your work provides health insurance coverage and you meet the requirements, your quest for health insurance may be over.  Be certain to learn everything you can about the employee benefits package.

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 plan to cover the time you are not insured.  No matter what you do, don't go without insurance.  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.

Now that you are armed with information, contact a local health insurance broker.  When it comes to selecting the best health care plan for you and your family, the expertise an insurance broker can provide is essential.  A good insurance broker can assist you with every part of the health insurance plan buying process.  They can discuss with you the advantages and disadvantages when considering the size of your health plan deductible.  They can review and help you understand health plan co-insurances.  They can assist you in understanding your Affordable Care Act subsidy eligibility.  Speaking with a health insurance agent is a smart logical step you should make before any health plan purchasing decision.  Best of all, assistance from a health insurance agent is normally free.

Choosing a health insurance plan is not something to take "lightly".

When looking for a low-cost, high-quality health insurance plan, there are numerous factors to consider.  Unless you are a practicing insurance broker that works with health insurance plans on a daily basis, there are several key issues that you are likely to overlook.  A large number of Americans not thrilled with their health-care coverage.  However the reason for this frequently is not the health plan. More often than not, dissatisfaction with a health insurance plan is caused by the customer selecting a plan without fully comprehending its benefits.  Unfortunately, most people do not learn how their health insurance plan works until after they have had a medical problem.  You do not want to discover the actual meaning of terms like "deductible" or "coinsurance" after you incur a medical bill.  Make sure you are covered by the right health insurance plan - before you need to utilize it.



Finding an affordable, comprehensive health plan can be difficult.

Obtaining a quality, affordable, health insurance plan is difficult for a variety of reasons.  At the root of the problem is the fact that health insurance in America is changing rapidly - largely as a result of the Affordable Care Act.  The percentage of Americans eligible for ACA coverage has increased.  Consequently, more Americans are now taking advantage.  In addition, a higher percentage of Americans are eligible for ACA subsidies, making the plans more attractive to more consumers.  Furthermore, a significant percentage of Americans who were previously covered by Medicaid are now eligible for ACA health insurance coverage.

As a result of all these changes, an avalanche of fresh data has flooded the internet.  The average consumer has a difficult time figuring out what is what, because so much of the information is inadequate or misleading.

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.



Our health plan specialists can help.

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.    210-794-6388