Whether you’re self-employed or between jobs, every Texan has the right to affordable health insurance coverage. At Custom Health Plans, we help make that a reality. As a private health insurance broker, we work with individuals looking for high-quality plans to cover their health care needs and protect against the unexpected.
We believe you shouldn’t have to choose between affordability and coverage, so we provide you with a wide variety of options. Our team gets to know your unique health needs, lifestyle and budget to help you find a plan from one of the state’s leading insurance providers. Let’s get started.
Individual health insurance is simply health care coverage you purchase for yourself or your dependents, as opposed to health insurance provided by an employer.
Individual insurance plans offer the same essential health benefits as group plans. They are an excellent option if you are self-employed, between jobs or seeking better coverage than your employer provides. Many small businesses also opt for this type of coverage because of its simplicity and affordability.
Individual private health insurance in Texas offers many benefits for those seeking comprehensive coverage:
–Often much more affordable than group insurance plans
–Flexibility to choose doctors and specialists compared to employer-sponsored insurance
–Portability to take your plan with you if you change jobs
–Tailored to your unique health needs with features that are most important to you
There are plenty of great individual health insurance plans in Texas. Our staff of competent and knowledgeable agents will provide incredible insight into what is truly best for you. We’re not out to sell you on a certain insurance provider. Our mission is to offer fully customized quotes and plans based on your personal health needs.
Most individual health insurance plans fall into four broad types:
Preferred Provider Organizations (PPOs): PPO health insurance in Texas offers incredible flexibility to let you choose your doctors and providers without a referral, whether in-network or out-of-network.
Health Maintenance Organizations (HMOs): While HMOs may limit coverage to care from in-network doctors, these plans usually offer lower premiums and out-of-pocket costs.
Exclusive Provider Organizations (EPOs): Explore EPOs for a great balance of affordability and access to a wider network of providers.
Point of Service plans (POS): With POS plans, you pay less for using health care providers that belong to your plan’s network, with the option of going out-of-network for specialist care.
When buying individual health insurance for yourself or a dependent, there are several important factors and questions you should consider to help you decide what type of plan makes sense based on your finances and health care needs.
The first consideration when selecting a health plan is your specific health and medical needs. The following questions can help you understand the scope of your health insurance coverage:
The second consideration is the network of doctors and hospitals in the plan. If you like your doctor, are they in-network with the plan? Are the doctors and facilities conveniently located near you? Do you have the freedom to see whomever you want?
The third consideration is the cost of your plan and your unique financial situation. What benefits package makes sense based on your budget?
Under the Affordable Care Act, many health insurance plans for individuals now have bronze, silver, gold and platinum benefit levels that indicate the level of coverage (and associated costs) the policyholder will have. When considering the options, be sure to see what each plan does or does not cover and what your out-of-pocket costs will be.
Some of the costs associated with health insurance plans include:
If individual health insurance plans for each family member are too costly, you may want to shop for family health insurance plans.
Individual health care coverage helps you get the care you need if you get sick or injured — but buying a health insurance plan can be challenging. The options can seem overwhelming, and you need to know you’re getting the best value for your money.
Custom Health Plans is your one-stop shop for all your insurance needs. We have over 30 years of experience matching clients with insurance plans that best meet their health care and budget requirements. As a qualified health insurance broker, our focus is on offering insurance solutions that put you in control of your health at all times.
You never have to worry about paying special fees for our services. We’ve helped hundreds of happy customers get the lowest rates possible for individual health insurance in Texas!
Our team will put together a tailored insurance solution that is sure to meet all your needs. We will then offer you a free quote.
Still have questions about individual health insurance? Here are some frequently asked questions to help you narrow down your options.
The associated cost of your policy depends on how many individuals you want to cover, their age, the amount of coverage you want and other considerations. We’ll work with you to create a customized quote based on your preferences and budget.
Absolutely. We offer nationwide 12-month PPO plans that boast next-day coverage.
Depending on your financial picture, you may be eligible for a federal subsidy or tax credit to help pay for the health insurance and make coverage more affordable.
Our plans offer a vast network of health care providers. However, depending on the plan, in-network doctors or hospitals may vary. We recommend checking with your preferred health care providers or our team to confirm their presence within a network.
The Custom Health Plans website lets you shop, browse and buy health insurance plans online. You don’t have to wait for open enrollment or any other period. Our plans are available 365 days a year, all year round, with most plans offering next-day coverage.
The most popular term length for our short-term or private health insurance plans is 12 months. Our plans are available for as short as 30 days to up to three years. You can get next-day coverage when you choose one of our plans.
Private individual health insurance can protect you from catastrophic financial events. This insurance is a great option if you are between jobs, self-employed or waiting for coverage to begin from an employer. Having the right amount and kind of health insurance is a smart financial move, especially if you suffer from a chronic illness or end up in the ER.
If you want to find the best medical coverage at affordable prices, Custom Health Plans has got you covered. We’ll find you the best rates on individual health insurance plans in Texas. Compare low-cost Individual health insurance quotes online using our insurance quote engine. Or, contact us at 877-537-5086 for more information.
Lowest rates in Texas guaranteed.
