Finding Health Insurance Has Never Been Easier.
Straightforward Answers to FAQs About Health Insurance Quotes and Health Insurance Brokers.    


We  Provide Fast, Efficient, Reliable Quotes to Satisfy Any Budget.
Frequently Asked Questions

What is an Insurance Broker? 

 A Broker is one who negotiates contracts, purchases, or sales in return for a fee or commission.  

An Insurance Broker is a trained insurance expert,  independent of any insurance company, who represents the interests of the consumer in searching for the most affordable and suitable insurance coverage available.

Why Do I Need a Health Insurance Broker? An insurance broker will save you time and money.   You can gain from my knowledge of the health insurance industry.  Since I devote all of my time researching health plans and legislative changes, I am prepared to give you the pros and cons of each.  After you've weighed all of the options I can help you select the carrier that's right for you.

Do You Obtain Both Group and Individual Insurance?  Yes.  I cater to the small and mid-sized business owners, as well as the individual, including singles, couples, and families. At this time, I can only provide service to persons and companies residing in Texas.

How Much Does Health Insurance Cost?  It varies, depending on the deductible amount and features of the plan.  A monthly premium for a family can run as low as $300 to as high as $1,000 or more.  

How Many Plans Will You Quote?  Depending on the complexity of the coverage, I usually quote between 3 and 7 plans.  For example, if the health plan you're seeking is limited by unusual circumstances, fewer carriers will have options available.  However,  if the health plan you're seeking is more standard, a greater number of carriers will be able to provide coverage.   

Is the Lowest Quote Usually the Best Quote?  Not necessarily.  One has to consider several factors, to name a few:

  • Deductible amount
  • Co-pay amount
  • Your health needs / risks
  • Medical history
  • Childrearing plans
  • Spousal coverage

What Makes Your Agency Stand Apart?  Besides offering exceptional service, I educate my customers.  I want them to be aware of the current law changes and know that I have their best interest in mind. I specialize in finding either conventional or alternate plans that will suit the specific requirements of any small or mid-sized Texas business owners and individuals.



I've Heard a Lot About Health Savings Accounts, Are They For Me?  Health Savings Accounts or HSAs are providing a much needed reprieve for business owners who wish to keep their benefits but are having trouble shouldering the costs.  I will be happy to discuss with you the pros and cons of this new government program. 
Quick Quotes.
  • What types of plans do you quote?  Please see our Services page.

  • Do quotes cost money?  No, they're fast and free without obligation.

  • How do I get a quote?  Just fill out a simple form on our Contact page.

  • What employee information do you need to give a quote?  We need:

    • Age

    • Sex

    • Coverage type (Single/Spousal/Family)

    • Current coverage information, including effective dates

    • Plan coverage options (health, dental, life, disability, other) 

  • How soon can I get a quote?  Within 24 hours.  Thanks to computers, quoting insurance is both fast and reliable. 

Marty Budinsky is a licensed insurance broker based out of Houston, Texas.  He specializes in finding in-budget traditional and HSA health care solutions for small- to medium-sized Texas businesses.
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