Health Insure Plus

Welcome to Health Insure Plus, your one-stop online store for your health insurance needs. At Health Insure Plus, we are dedicated to providing top-notch service, unmatched expertise, and personalized care to our clients. Our team is committed to helping individuals, families, and small businesses navigate the complex world of health insurance with ease and confidence.

With over 15 years of experience in the insurance industry, our founder, Marilyn, has built a reputation for delivering exceptional service and tailored solutions to each client's unique needs and budget. As a member of the Texas Association of Health Underwriters and the National Association of Health Underwriters, Marilyn stays up-to-date on the latest industry trends and regulations, ensuring that our clients receive the best possible coverage at the most affordable rates.

Our Services

At Health Insure Plus, we offer a comprehensive range of health insurance services to cater to the diverse needs of our clients. Whether you are an individual, a family, or a small business, we have a solution that fits your unique requirements. Our services include:

• Individual and Family Health Insurance: Get access to a wide range of plans from top-rated carriers like Aetna, Blue Cross, Cigna, Humana, UnitedHealthcare, and UnitedHealthOne. Our expertise will help you find the best plan for your budget and lifestyle.
• Group Health Insurance: We cater to the health insurance needs of small businesses and groups, providing tailored coverage options that meet your specific needs.
• Short Term Health Insurance: Don't let a change in residence or employment disrupt your coverage. Our short-term insurance plans offer temporary coverage for those unexpected life events.
• Senior Health Insurance: Our experienced team will guide you through the often-complex world of Medicare and Medicare supplements, ensuring you receive the best coverage for your budget and needs.
• Dental Insurance: Complete your health insurance portfolio with our dental coverage options.

The Affordable Care Act (ACA)

The Affordable Care Act, also known as Obamacare, has brought significant changes to the health insurance landscape. Key changes include:

• Insurance companies can no longer deny coverage for preexisting conditions
• All ACA-compliant plans are rated by metal tier, from Bronze to Platinum
• Subsidies are available to offset the cost of premiums based on income

Metal Tiers Explained

The metal tier system categorizes ACA-compliant plans by coverage and premium amounts. The higher the tier, the higher the monthly cost, but also the higher the amount and quality of coverage.

• Bronze: Least costly monthly premiums, lowest coverage (40% out of pocket)
• Silver: Often a good balance of cost and coverage (30% out of pocket)
• Gold: Higher quality and coverage, for a bit more monthly than the last two Tiers (20% out of pocket)
• Platinum: Highest quality of coverage, at the highest monthly premium (10% out of pocket)

At Health Insure Plus, we're committed to helping you navigate the complex world of health insurance. Contact us today to explore your options, and get a free quote for your health insurance needs.