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Open Enrollment 2018 and the Future of Health Insurance

No one, not Congress, the president or even your insurance agent knows definitively what will happen to health insurance. However, this much we know, the Affordable Care Act was not repealed for 2018. After several attempts, it is still the law, although it has changed significantly.

What happens next? How will open enrollment affect Texans and Lubbock residents? What does a death spiral of the health insurance marketplace look like? These are all questions we hope to answer in a moment of severe uncertainty in America.

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Insuring the Tesla Model 3

Tesla is famous for cool innovations. So it makes sense that if any automaker could pre-sell 400,000 cars based on a prototype, it would be Tesla. Early adopters eagerly await their new electric luxury sedans, which are due to start shipping in October. But what about insurance? Rates are based on pesky facts like how likely cars are to cause damage and how expensive they are to repair. In the absence of crash data, insurers are guesstimating what to charge to protect the new Tesla Model 3.

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Top Reasons Lubbock Is The Best Place To Live In 2017

This article has been updated for 2017, as there is always something new happening in Lubbock!

Big city, small city, hamlet, village – just what is Lubbock, TX? We’ve been in the news more frequently, although for the strangest reasons. In recent years, Lubbock has been described by multiple studies as: “most boring city”, “best commute in the US”, “best city for 35 and under”, and “best city for new college grads in 2017“. We wonder what recognition Lubbock will earn in the future?

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How A Bigger Lubbock Affects Insurance

Last month, the U.S. Census Bureau revealed the fastest-growing large cities. Four of the top five were in Texas and suburbs of Dallas, Houston and Austin.

Although Lubbock is defined by the Census as a large city (more than 50,000), it didn’t reach record growth. Instead, the Census revealed Lubbock reached a new milestone. Officially, it broke 250,000 full time residents and Lubbock County reached 300,000+ residents.

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The Most Dangerous Jobs to Insure in Texas

All jobs have occupational hazards – even office workers get paper cuts or, more often these days, carpal tunnel syndrome. But some occupations are riskier than others, rodeo clowns? You bet. And those risks are reflected in insurance policies. Disability and life insurance policies are especially affected by dangerous jobs.

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Insuring a Tiny House in Texas

The Tiny House Trend

Most people have heard of the tiny house trend. But just how tiny are these homes? There’s no official definition, but most people consider a house less than 400 square feet as tiny. The average tiny house is only 186 square feet. This includes the living area, bathroom, kitchen and sleeping loft. Compare this to the average American house, which is currently 2,600 square feet, according to The Tiny Life. Tiny houses can be mobile, or set on permanent foundations.

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Free Market Insurance Reform

The following is an outline for free market insurance reform, written by Ron Hettler, an insurance broker that understands the health insurance marketplace, problems with the Affordable Care Act and possible solutions.

Areas for Free Market Insurance Reform include Insurance, Medical Providers, Share Responsibility Penalty, Tax Credit Transition and Networks.

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Company Information

Hettler Insurance Agency
Ron Hettler

4432 S Loop 289
Lubbock, TX 79414

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