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Affordable Texas Health Insurance Plans
Custom Health Plans is a full-service Texas health insurance broker dedicated to providing affordable, customized health insurance solutions for individuals, families, small businesses, and the self-employed. With over 30 years of experience in the health insurance and financial services industries, our team combines deep expertise with strategic partnerships with top-rated carriers to deliver competitive rates and comprehensive coverage. We prioritize personalized service, transparency, and client education to ensure our clients find plans that align with their unique health needs, financial goals, and lifestyle requirements.Our commitment to excellence is reflected in our streamlined online application process, responsive claims management, and a client-centric approach that emphasizes long-term relationships over transactional interactions. As advocates for consumer-driven healthcare, we specialize in innovative solutions like Health Savings Accounts (HSAs) and Consumer-Driven Health Plans (CDHPs) to empower clients with greater control over their healthcare decisions.
Services
Individual Health Insurance
Family Health Insurance
Small Business Health Insurance
Self-Employed Health Insurance
Short-Term Health Insurance
Dental Insurance
Health Savings Accounts (HSAs)
Group Health Insurance
Fixed Benefit Health Insurance
Open Enrollment Assistance
Highlights and features
- We offer 30+ years of expertise in health insurance brokerage services.
- Our team partners with top-rated carriers like Blue Cross Blue Shield of Texas.
- We provide personalized guidance to match coverage with client-specific needs.
- Our claims processing achieves 90% completion within 10 working days.
- We specialize in consumer-driven health plans with tax-advantaged savings options.
What people say
Knowledgeable and accommodating
Great communication
Responsive and knowledgeable
Exceptionally helpful
Tremendous job explaining options
Services
Individual Health Insurance
Custom Health Plans offers tailored individual health insurance solutions covering hospitalization, outpatient care, prescriptions, and preventive services. Our plans prioritize flexibility and affordability while ensuring comprehensive protection for single policyholders. We help clients compare PPO, HSA-eligible, and indemnity plans to find optimal coverage matching their medical needs and budget constraints.
Family Health Insurance
We provide comprehensive family health insurance plans covering primary care, specialist visits, emergency services, and pediatric care. Our brokers help families evaluate network options, deductible structures, and out-of-pocket maximums to balance premium costs with expected healthcare utilization. Plans include access to wellness programs and preventive care services.
Small Business Health Insurance
Our customizable group health insurance solutions for small businesses include PPO networks, HSA-compatible options, and fixed-benefit indemnity plans. We assist employers in meeting ACA requirements while offering competitive benefits packages. Services include employee education sessions and claims advocacy to ensure smooth implementation and ongoing support.
Short-Term Health Insurance
We offer flexible short-term medical plans for coverage gaps between jobs or major life transitions. These plans provide protection for unexpected illnesses or accidents with terms ranging from 30 days to 3 years. Our brokers explain limitations versus ACA-compliant plans to help clients make informed decisions.
Health Savings Accounts (HSAs)
We specialize in pairing HSAs with high-deductible health plans to create tax-advantaged healthcare solutions. Our experts explain contribution limits, qualified expenses, and investment options while helping clients select compatible HDHPs from top-rated carriers like Aetna and Cigna.
People
Ric Monello
Insurance Agent
Ric Monello specializes in guiding clients through complex health insurance decisions. With extensive industry knowledge, he provides personalized plan comparisons and post-enrollment support to ensure clients understand their coverage options and benefits.
Mark Savoca
Insurance Agent
Mark Savoca offers decades of experience in health insurance brokerage. He focuses on building long-term client relationships by delivering tailored coverage solutions and maintaining accessibility for ongoing policyholder needs and questions.
Mark S.
Insurance Agent
Mark S. provides knowledgeable assistance in evaluating health insurance options. He emphasizes clear communication and thorough explanations to help clients navigate plan features and select appropriate coverage.
Questions
What health insurance options are available for self-employed individuals?
We offer customizable health insurance plans specifically designed for freelancers, contractors, and business owners, including options with dental, vision, and specialized service add-ons.
How do I choose between PPO and HSA-eligible plans?
Our agents explain key differences in network flexibility, deductible requirements, and tax benefits to help you select the plan type that best matches your healthcare usage patterns and financial goals.
Can I keep my current doctor with these insurance plans?
Many plans offer freedom to choose any doctor or hospital, particularly consumer-driven options. We'll verify network specifics during your personalized plan evaluation.
What is the open enrollment period for health insurance?
Open enrollment typically runs November 1 - December 15 annually for marketplace plans, but we help clients evaluate coverage options year-round for short-term and non-ACA plans.
How quickly can I get health insurance coverage?
Short-term plans can often be enrolled within hours, while ACA-compliant plans typically take 1-2 weeks. Our team expedites the application process to ensure timely coverage implementation.
Do you offer dental insurance options?
Yes, we provide standalone dental insurance plans covering preventive care, restorative treatments, and orthodontic services to complement your primary health insurance coverage.
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