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Best Health Insurance Agencies in Baytown, TX

Our Recommended Top 3

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Baytown Health Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.



3Top Picks

Learn about our selection process.


featured provider = Featured Provider

116 W Baker Road, Baytown, TX 77521
WebsiteLicense: 689900 Rating

Why choose this provider?

Larry Wilkey is a State Farm Insurance broker who serves clients in Baytown and the surrounding metro areas. Wilkey manages health insurance plans, assisting individuals and families in obtaining the most appropriate health coverage for their needs. He specializes in individual medical, supplemental health, and Medicare supplement plans. He also advises clients who want to update their insurance policies or file medical claims. Wilkey has worked for State Farm Insurance since 1978. He is also involved in community youth initiatives.

  • Medicare Supplements

8018 N Highway 146 Suite 2, Baytown, TX 77523-2206
WebsiteLicense: 2255981 Rating

Review Sources

5.0 (288)
5.0 (28)
5.0 (1)

Why choose this provider?

Ray Grayson is an insurance agent who serves clients in Baytown and the neighboring areas. He helps process health insurance claims and offers various policies, including Medicare supplement insurance, supplemental health insurance, and individual medical coverage. Other personal insurance plans that he covers include home, property, auto, and life. He assists artisan contractors and small business owners obtain protection with business insurance plans. Ray Grayson leads a team through State Farm. His office also caters to clients who speak Spanish.

  • Life Insurance
  • Business Insurance

3413 Garth Road, Baytown, TX 77521
WebsiteLicense: TX-925710 Rating

Review Sources

5.0 (41)
5.0 (5)

Why choose this provider?

Paul Wankowicz is an insurance agent who assists clients in Baytown and the surrounding areas. He offers health insurance coverage, including Medicare supplement insurance, individual medical coverage, and supplemental health insurance. He also provides coverage for life, home, automobile, property, and pets. Additionally, he handles other products and services, such as mutual funds, annuities, and banking. Paul Wankowicz has been leading a team through State Farm since 2004. His team has been awarded the State Farm Ambassador Travel and the State Farm Chairman’s Circle.

  • Health Insurance

Compare our Top Health Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Larry Wilkey
116 W Baker Road, Baytown, TX 77521
Ray Grayson
8018 N Highway 146 Suite 2, Baytown, TX 77523-2206
Paul Wankowicz
3413 Garth Road, Baytown, TX 77521


  • Introduction

    If you're looking for health insurance for yourself or your family, an agent can help you save time, understand your options, and manage your costs. Insurance agents must be licensed in the state where they operate. They can provide information about on- and off-exchange plans to help you weigh all of your options, and they can see if you qualify for tax credits that can lower your monthly premiums. There's no cost to work with an agent, and they can help you save quite a bit by recommending the best plan for your needs. Here's what you should know before you get started.

  • What illnesses and disabilities are covered by short- and long-term disability insurance in Baytown?

    In Baytown, short-term disability insurance covers expenses caused by back and joint disorders, musculoskeletal diseases, digestive disorders, and cancer. Meanwhile, long-term disability insurance pays for medical-related expenses related to connective tissue disorders, mental health issues, poisoning or injuries, coronary artery disease, and heart attacks. Individuals with debilitating injuries might wait up to 90 days to process their claims.

  • In Baytown, how is group disability insurance taxed?

    Group disability insurance in Baytown is taxed depending on who pays the premiums. If the employee pays the insurance cost, the benefits are not taxable. However, if the company or business pays the insurance premiums, employees pay tax for benefits. Insurance costs settled by the employee are included in W-2 income, and premiums paid by the employer are tax deductible.

  • What is the difference between Affordable Care Act insurance from employer-based health plans in Baytown?

    Families and individuals who have Affordable Care Act insurance receive subsidized premiums and pay lower monthly insurance costs. Unlike employer-based health plans, ACA health coverage can be purchased during the open or special enrollment period. Consumers in Baytown can obtain health coverage if they are experiencing life events like moving to a new place, losing health coverage, and getting married.

  • How does hybrid long-term care insurance work in Baytown?

    Hybrid long-term care insurance in Baytown is usually acquired through insurance brokers or agents. The amount of long-term care insurance depends on the individual's lifestyle and medical status. This type of insurance typically covers expenses for nursing homes, adult day care centers, assisted living facilities, and licensed home health care aides and homemakers.

  • Where can individuals and families use their Health Savings Account in Baytown?

    Individuals and families in Baytown can use their Health Savings Account to pay medical-related expenses, such as prescription medications, over-the-counter medications, telehealth services, sunscreen, and menstrual care products. Moreover, HSA can pay for dental care expenses like denture cleaning and adhesive, dental implants, and dental veneers.

  • How can you find affordable health insurance? 

    Affordable insurance is available through employers, Medicare, Medicaid, and the federal Health Insurance Marketplace, which offers subsidies in the form of tax credits. You can also purchase coverage through private insurance companies and independent agents. Nearly half of all Americans have employer-sponsored health insurance, and about 10% of the population is uninsured.