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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:
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.
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Quick Quotes.
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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What is an Insurance Broker?