September 24, 2017 (512) 246-9955

Individual & Family Health Insurance

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Get Affordable Individual & Family Health Insurance in 3 Easy Steps:

INDIVIDUAL HEALTH INSURANCE WILL AND HAS BEEN FOREVER CHANGED DUE TO THE AFFORDABLE CARE ACT PASSED IN 2010

Starting on October 1st 2013 individuals will be able to qualify for a subsidy based upon their annual household income that will be a direct offset of their monthly health insurance premiums see calculator below.

Individual health insurance in 2014 will be considered guaranteed issue which means that no carrier will be allowed to decline an individual due to medical pre-existing conditions. There will be an open enrollment period for individuals to apply for health insurance in 2014 will be from October 1st 2013 to March 31st 2014 and after those dates have passed individuals will have to wait until 2015 for them to apply for a guaranteed issue health insurance plan.

Individuals who are currently insured and those uninsured have some important decisions of whether they will apply for a plan this year that could possibly have a lower premium than the new healthcare exchange based plans or apply during the open enrollment period for a new plan starting in 2014.

Lawhorn insurance is licensed and educated to walk customers through this entire process from start to finish.

FAMILY HEALTH INSURANCE WILL SEE MAJOR CHANGES IN 2014

Family health insurance will see major changes related to the Affordable Care Act in 2013 and moving forward. The biggest change families will experience is if the family qualifies for a government subsidy based upon the annual household income.

See the chart listed below or check the calculator to give you an idea of what your family could pay for health insurance according to your income and the number of dependents you claim on your tax return. Many families could decreases in their monthly premiums due to the healthcare law so it makes sense to work with a knowledgable agency like Lawhorn Insurance to help you navigate through these important financial decisions.

The Lawhorn Insurance staff can assist you from start to finish to find the best Texas health insurance plan on or off the healthcare exchange to meet your unique needs.

“Take Your Insurance by the Horns”

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