Health insurance

Health Insurance

Medical care is expensive, and one serious illness or injury can create financial hardship without proper health insurance coverage. We help individuals and families throughout Lubbock find health insurance plans that provide access to quality healthcare while fitting within your budget, whether you're self-employed, between jobs, or need coverage outside employer-sponsored plans.

Coverage options include plans through the Health Insurance Marketplace with potential premium subsidies based on income, private health insurance plans from various carriers, and supplemental coverage that fills gaps in existing insurance. Your plan should cover essential health benefits including doctor visits, emergency care, hospitalization, prescription drugs, and preventive services. Understanding deductibles, copayments, out-of-pocket maximums, and provider networks helps you choose coverage that matches your healthcare needs and financial situation.

Comparing plans requires looking beyond just monthly premiums to understand total potential costs including deductibles you'll pay before coverage kicks in, copayments for services, and maximum out-of-pocket limits that cap your annual expenses. Lower premiums typically mean higher deductibles and out-of-pocket costs when you actually use healthcare, while higher premiums usually provide better coverage with lower costs when you need care.

We work with multiple carriers to compare plan options and help you understand the trade-offs between different coverage levels and costs. Open enrollment periods limit when you can purchase coverage, though qualifying life events like job loss, marriage, or moving can create special enrollment opportunities. We guide you through the application process, help you determine if you qualify for premium subsidies, and ensure you understand what your chosen plan covers so you can access the healthcare you need without unexpected bills that could have been avoided with appropriate coverage and planning.