Health Insurance

Texas Health Insurance Coverage

If you don't have a health insurance policy in place, you need to start looking for one so you don't get hit with penalties come 2014 when the Affordable Care Act goes into full force. If you've been holding off on making a purchase, consider that one of the top causes of bankruptcy is medical debt. While a few hundred dollars a month in premiums may seem like a lot today, it's just a drop in the bucket if you or a family member needs emergency medical treatment with a hospital stay and medications.

Having health insurance in place also gives you the freedom to go to the doctor even when you're on the fence about doing so. Making the trip could save your life, and even if the reason for which you went in turns out to not be serious, you can feel good about doing the responsible thing and getting a physician's advice, and you probably won't be out any more than the co-payment.

One way to ensure that your health insurance premiums, as well as your overall health care costs, stay low is to lead a healthy life. Give up drinking and smoking. Lose weight by eating a diet full of lean proteins, colorful vegetables and fresh fruits. Exercise daily to stay in shape or lose a few extra pounds. Medical care costs for people who smoke, drink or are overweight spend as much as 500% more on medical care than people who are tobacco and alcohol-free and are of a normal weight.

If you live in Texas, contact us at Woodby Insurance Agency to get personalized assistance in finding an individual or family health insurance plan that meets your needs and budget. As an independent agent, we help you shop around by looking at policies from a number of insurance companies that serve the area. We're always around to answer your questions and we'll help you understand your health insurance options so that you can make a well-informed purchasing decision.

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