Discover what medical payments coverage is and how it benefits Texas families. Get immediate help for accident-related medical costs today! MedPay: what medical payments coverage pays for on auto and home policies, how it differs from PIP, and why it's worth it. (806) 798-7800.

Texas has the US's highest 16.7% uninsured rate, yet 83% of ACA enrollees qualify for subsidies. Learn how health insurance works in Texas, what it costs, how subsidies help, and what's covered after a disaster. Compare HMO, PPO, EPO plans and avoid the costliest mistakes.

Explore health insurance options for Texas small businesses with under 50 employees. Learn about group plans, HRAs, tax credits, Lubbock-area solutions, ICHRA, QSEHRA, and MEC. Lubbock and West Texas employer guidance from Hettler.

Compare Texas health insurance options list for 2026, including ACA plans, Medicaid, and CHIP. See real costs, subsidy changes, and tips for families and young professionals.

Cheap Health Insurance Lubbock Texas, Explainer Article | Hettler Insurance Agency, (806) 798-7800 Health Insurance Health insurance Open Enrollment ends Jan. 15th.  The word ‘insurance’ can be defined as an arrangement by which one party agrees to pay another in case of some uncertain event. This is a type of insurance that is used to protect the insured against any health problems. Health insurance in […]

Do you want to save money? It’s possible to save $500 or more per month. But, how do you make it work? For several years, health care expenses have been on the rise. For nearly every household, healthcare costs continue to be a major expense. The expense for the care itself continues to increase, and, naturally, insurance costs tend to rise also. Discovering ways to […]

Who needs health insurance? The fact is: health insurance makes healthcare more accessible and affordable. Yes, this includes preventive services like regular check-ups with your doctor and health screenings. (By the way, Open Enrollment for health insurance is Nov. 1st – Dec. 15th) For example, in 2019, only one-third of the U.S population’s uninsured citizens set up a preventive service visit with a doctor. In […]

Not having health insurance can be…Scary! Open enrollment is Nov. 1st – Dec. 15th. Give us a call so we can help you! (806) 798-7800, M-F 8:30am-5pm So, why is open enrollment such a big deal for health insurance? Have you ever thought to yourself: “I should be allowed to update or buy health insurance whenever it’s convenient for me. That’s not fair. Why do […]

On a chilly Washington D.C. evening in December 2017, legislators met to decide the fate of millions of Americans. The mantra “repeal and replace” reverberated across the country since the earliest days of the Trump presidency. And now, folks from both sides of the aisle still had no idea what was about to happen… Fast forward to present day and the outcome of the lawmaker’s […]

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 […]

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.

 Halloween is known for bats, vampires, ghosts, witches, candy, and… insurance claims? These can be the spookiest of all. And Halloween is one of the biggest days for the kind of trickery that leads to insurance claims.

Has there been a more politically divisive time in American history? Well, there was the Civil War. But otherwise, things are pretty grim in the world of Democrats vs. Republicans. So when we speculate about whether the insurance situation can improve under a Hillary Clinton presidency, we have to consider her friction with a Republican Congress.

If Hillary Clinton or Bernie Sanders wins the presidency, the U.S. will have Obamacare and then some. Especially if Sanders is elected. Both candidates have been very vocal – and quite detailed – about their plans for healthcare.

Lubbock is a city of wide-open spaces and believe it or not, there are a variety of outdoor options to stay healthy. Don’t rely completely on health insurance, get some much needed exercise! Whether you prefer exercising on wheels, motors, or sturdy shoes, you can find an outdoor outlet in the Hub City. The plethora of gyms and activity centers can also give shelter in […]