• Houston Health Insurance Broker since 2005
Individual Health Plans
Harris & Montgomery County
In 2021 Affordable Care Act (Obamacare) health plans in Harris County. There are 87 Health Insurance ACA Marketplace Plans available in Harris county, Texas from 6 health insurance providers .
The starting minmal level of coverage is with a catastrophic plan that emphasizes coverage for hospitalization or serious illness. This plan has the lowerst premium and the highest deductible, coinsurance and out of pocket maximum. The insurers are BCBSTX, Oscar, Friday Health plans.
31 Bronze and expanded bronze plans that normally cover 60% coinsurance, high deductibles that must be paid before most benefits will be covered. The insurers are BCBSTX, Ambetter, Oscar, Community Healthchoice, Molina, Friday Health plans.
38 Silver Plans that typically cover 70% coininsurance. These plans normaly are used with the subsidy benefit. Plans cover doctor visits and other expenses before the deductible has to be met.
15 Gold Plans that cover with 80% coinsurance in most cases, with minimal deductibles and the highest premium plans.
Annual Open Enrollment official Affordable Care Act (ACA) Marketplace for Individual Health Insuance Plans. The dates are November 1st to December 15th. If you are looking for other options along side the ACA marketplace health plans, or if you are losing your Cobra plan coverage. Click here for a health insurance quote that could save you hundreds of dollars and shopping for better coverage options.

Alternative Health Plans 2021

I'm pleasantly surprised by the affordability, coverage, and level of benefits of my favorite individual health insurance plan. I personally have this individual health insurance plan, myself! It's 1/3 the cost on average of most individual health insurance in the marketplace.
The health plan is comprehensive coverage including preventative, emergency room, urgent care, physician visits, and prescription benefits, & hospital coverage and more. It has seven of the 10 minimum essential coverages. It's not guaranteed issue; there are health questions on the application. There are also pre-existing exclusions. BUT... It's worth looking into this affordable PPO individual health insurance plan. It's friendly Insurance, friendly Rates, and will bring you a friendly Smile! It's an affordable health insurance option that works for most people.
There are better coverage & lower cost, affordable health insurance options. That's why you need an independent health insurance agent!

Supplemental Insurance are plans that pay cash benefits to help you pay out of pocket expenses in the case of a medical event.

Prevent Medical Bankruptcy. Paying for out of pocket expenses, high deductibles and co-insurance costs are enough to sent you to bankruptcy when faced with a catastrophic health event.

Alyssa Macaluso - Medicare & Health Insurance Independent Agent serving the Houston area, including The Woodlands and Tomball, TX. can guide you to the maze of healthcare options. Alyssa Macaluso - Medicare & Health Insurance Independent Agent is making your healthcare needs and concerns our top priority. Learn more about affordable health Insurance options available to you from Alyssa Macaluso - Medicare & Health insurance Independent Agent.
Looking for good coverage that won't clean out your bank account?

4 Simple Ways to Low Cost Health Insurance.

#1. If you are under a certain annual income based on your household size then you could qualify for a subsidy (financial help with your monthly premium cost) this is a low cost option for individual health insurance on the ACA marketplace. The health plans that usually contain the subsidy reduction is the Silver plan.
#2 The best option is to have access to group health insurance either through a spouse or through your workplace. This is the best option because the employer has to pay for at least 50% of the cost. Also. group plans usually have better coverage. #3 Alternative health insurance options are available outside of the ACA marketplace. These plans have maximum limitations, pre-existing exclusions, and seven of the ten minimum essential (MEC) coverages. However, the health plans are sufficient coverage for the average healthy American. The cost is less than one third the cost of the lowest cost of ACA marketplace plan. These plans include 20 annual doctor visits, hospital and other medical services are covered. #4 High deductible plan with supplemental health nsurance helps fill in the gaps and reduces the premium costs. Supplemental plans can pay a cash benefit with various companties such as Aflac or Colonal and it's a low cost way to help to pay a high deductible, coinsurance and copays..

Instant Quotes ACA Marketplace Health Insurance.

Looking for quotes for ACA marketplace health plans. Look no further we have self-quote and self-enroll options. It's a simple way to find rates and premium cost for all the various carriers in the marketplace. Bronze, Silver and Gold, Catastrophic health plans. Quote and Enroll is available. ACA Marketplace healthplans quoting click here. The carriers are Community Health Choice, Oscar, Molina, BCBSTX, and Ambetter. The marketplace health plans are guaranteed issue, unlimited maximum, standardized minimum essential (MEC) coverages. Individual Health Plans ACA Marketplace Open Enrollment.
Dates are November 1st to December 15th annually.
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