February 17, 2026
AgencyShort Term Plans vs ACA Plans Why Cheaper Coverage Can Cost You More
As premiums rise, more people see ads for short term medical plans and other limited coverage options that look much cheaper than standard ACA plans. These options can have a place in certain situations, but they also come with big limitations and risks that many people do not fully understand. If you are shopping for […]
February 10, 2026
AgencyACA Marketplace Changes And Extended Tax Credits What Individuals Need To Know Before Enrolling
The Affordable Care Act, ACA, Marketplace has matured a lot since its early years. Many individuals and families now rely on it for major premium tax credits that make coverage affordable, and policy changes in recent years have extended and expanded those savings. If you buy your own health insurance in Texas, or might need […]
February 5, 2026
AgencyLevel Funded Plans, ICHRAs, And More New Group Health Options Employers Are Considering
The old model of group health insurance, with one fully insured plan and a big annual renewal surprise, is no longer the only option. Employers, especially small and mid sized ones in Texas, are exploring newer models like level funded plans and Individual Coverage HRAs, or ICHRAs, to gain more flexibility and control. If you […]
January 30, 2026
AgencyHow Telehealth and Virtual Care Can Reduce Employer Health Care Costs
Health care costs continue to rise across the country, and employers are searching for practical ways to control expenses without compromising the quality of care available to their employees. One of the most effective and increasingly popular strategies is integrating telehealth and virtual care into employer group health insurance plans. These digital health care solutions are transforming how employees access medical services, offering convenience, cost savings and improved […]
January 29, 2026
AgencyWhy Group Health Insurance Costs Keep Rising And What Employers Can Do About It
Health care costs continue to rise across the country, and employers are searching for practical ways to control expenses without compromising the quality of care available to their employees. One of the most effective and increasingly popular strategies is integrating telehealth and virtual care into employer group health insurance plans. These digital health care solutions are transforming how employees access medical services, offering convenience, cost savings and improved […]
January 21, 2026
AgencyIndividual vs. Group Health Insurance
Choosing the Right Path as Healthcare Costs Continue to Rise As healthcare costs increase, deciding between individual and group health insurance has become a more strategic decision for both individuals and employers. Individual Health Insurance Often suitable for: Self-employed individuals Contractors Those without employer coverage Pros include personal choice and potential income-based subsidies. Considerations include […]
January 14, 2026
AgencyRising Individual Health Insurance Premiums and Lower Subsidies
Why So Many Are Feeling the Impact Many individuals and families are experiencing higher health insurance premiums while also seeing reduced subsidy eligibility. This combination has made coverage more challenging across income levels. Why Subsidies Are Declining for Some Subsidy eligibility is determined by: Household income Federal poverty level thresholds Regional plan pricing Even modest […]
January 7, 2026
AgencyIndividual Health Insurance for Younger Adults
Getting Creative as Premiums Rise Younger adults are increasingly feeling the pressure of rising individual health insurance premiums—especially those who may not qualify for significant subsidies. As a result, many are looking for creative ways to balance affordability with adequate coverage. Common Individual Health Insurance Options Younger individuals typically explore: ACA-compliant marketplace plans Off-exchange individual […]
December 29, 2025
AgencyLevel-Funded vs. FuInsured Group Health Insurance: A Side-By-Side Comparison for Employers
As healthcare costs continue to rise, employers are taking a closer look at how group health insurance plans are structured and priced. Two of the most commonly compared options today are fully insured and level-funded group health plans. Key Differences Between the Two Fully insured plans provide simplicity and predictability, while level-funded plans introduce transparency […]
December 26, 2025
AgencyDoes Medicare Cover Dental, Vision, and Hearing?
For many Texans approaching Medicare eligibility, or already enrolled, one of the most common questions is whether Medicare covers dental, vision, and hearing services. These areas of care are essential to overall health, yet the coverage rules can be confusing. Medicare is divided into several parts, each designed to cover different aspects of health care: Part A (hospital insurance): Covers inpatient hospital stays, skilled […]