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 However, this much we know, the Affordable Care Act was not repealed for 2018.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.

December 15th came and went. This was the deadline for signing up for health insurance plans private or government subsided that would begin January 1st, 2015. However, the open enrollment period for 2015 is still ongoing until February 15th, 2015. Sign up for health insurance before Valentines Day to get health insurance on March 1st, 2015 and to avoid tax penalties that will increase each […]

Lucy was a child when she was diagnosed with asthma. Her parents searched for health insurance, but were denied coverage for hospital visits and medication. Prior to the Affordable Health Care Act, this was a common scenario. Many Americans have been denied coverage of regular medical expenses for pre-existing and chronic conditions, such as asthma. In addition, not every American could afford or receive health […]

Regardless of your feelings, the ACA that was passed in March of 2010 is here. In 2014, every American is required to have health insurance or pay a penalty to the IRS. The enrollment period for a January 1st, 2014 effective date starts October 1st, 2013 and runs until the middle of December.

When calling about health insurance, seriously consider all the options.  It’s nice to have copayments for doctor’s visits and drugs, but it’s almost always an expensive option.  Consider this scenario for a single woman in her late 40’s in Lubbock, TX.

Ronald Hettler, CIC of Hettler Insurance Agency in Lubbock, TX announces the launch of their newly designed website serving insurance buyers throughout Texas.  On their site, you may quote and/or purchase auto insurance, home insurance, renters insurance, and health insurance.  Hettler Insurance Agency is an independent agency represents dozens of carriers including Travelers, Progressive, Safeco, Hartford, and Blue Cross Blue Shield of Texas.  For more information visit:  www.hettlerinsurance.com or […]