Health Insurance

As premiums get larger and larger, agents are more important in knowing what each company offers and how they underwrite the policies. With over twenty years experience, Larry Ard can help you find the right policy for your needs. There is no one “best” plan for everyone. Some plans are better than others for you or your family’s health care needs, but no one plan will pay for all the costs associated with your medical care. We can show you how to reduce your final premium by assuming more risks.

As an independent agent, Larry Ard can provide insurance plans from numerous health insurance companies. With the health insurance market changing frequently, we are always on the lookout for quality, service-oriented insurance companies for our clients. In addition, both employer’s and individuals need to be aware of the costs and penalties of Obama Care. Employer’s can pay up to $2,000 per year for employees. Individuals can be penalized up to 1% of their gross pay if they do not purchase health insurance. Larry Ard can explain all the pros and cons of Obama Care and protect your future.

We look forward to helping you with all of your health insurance needs, whether it be group or individual. Our main carriers are Blue Cross Blue Shield of Texas, Humana, United Healthcare, Aetna & Assurant Health.