Expertise.com

Best Health Insurance Agencies in El Paso

Laurels
Laurels

We did the research for you!

Learn more
  • checkboxLicensing
  • checkboxUser Reviews
  • checkboxMystery Shopping Calls

Health Insurance Agencies FAQs

Learn more
Affordable Health Insurance Agency logo
Visit WebsiteWebsite

License Verified:

License: 20010

Texas Department of Insurance

Affordable Health Insurance Agency

San Jose Road, El Paso, TX 79915
Visit WebsiteWebsite
  • Individual Plans
  • Group Plans
  • Life Insurance

Business Description

Affordable Health Insurance Agency, LLC is a health insurance firm that serves clients in El Paso and nearby areas. The company provides a wide range of health insurance products and coverage options, such as Medicare Supplements, Medicare Advantage, dental, vision, and hearing plans. The firm also offers insurance policies for vehicles, homes, and businesses. Founded by Joe and Rosie Chetwood, the firm has been providing its services to the community for more than 20 years.

License Verified:

License: 20010

Texas Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (12)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
ArmandoW Insurance logo
Visit WebsiteWebsite

License Verified:

License: 1180397

Texas Department of Insurance

ArmandoW Insurance

5959 Gateway Blvd W Suite 313, El Paso, TX 79925
Visit WebsiteWebsite
  • Individual Plans
  • Life Insurance

Business Description

ArmandoWInsurance is an insurance agency that serves clients in El Paso. It offers a wide range of health insurance options, including cancer insurance, Medicare supplements, dental insurance, vision insurance, and hearing insurance. It also offers two types of life insurance policies: term life and permanent life, whose benefits can be used to pay mortgage loans and short-term debts. Owner Armando Wilson is an independent health and life insurance agent who practices in several states, including New Mexico and Arizona.

License Verified:

License: 1180397

Texas Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Border City Insurance logo
Visit WebsiteWebsite

License Verified:

License: 1912803

Texas Department of Insurance

Border City Insurance

1200 Golden Key Circle, El Paso, TX 79925
Visit WebsiteWebsite
  • Individual Plans

Business Description

Border City Insurance provides life and health insurance to clients in El Paso. With a bilingual team that can accommodate clients in either English or Spanish, it offers a wide range of health insurance packages that include disability, vision, medical, and dental insurance. Border City also assists in claims when it comes to health issues and the loss of family members. Additionally, it also has experience in personal and commercial lines, as well as commercial truck insurance, and are able to provide insurance certificates on-demand.

License Verified:

License: 1912803

Texas Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (26)
Facebook
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
BYGA Health Insurance & Medicare Plans logo
Visit WebsiteWebsite

License Verified:

License: 980430

Texas Department of Insurance

BYGA Health Insurance & Medicare Plans

1200 Golden Key Circle, El Paso, TX 79925
Visit WebsiteWebsite
  • Individual Plans

Business Description

BYGA Health Insurance & Medicare Plans is an independent health insurance agency available to clients in El Paso. Its staff of insurance professionals specializes in handling medicare plans for seniors such as Medicare Advantage, Medicare Part D, and other Medicare Supplements options. They make sure that their clients have maximized coverages. In addition to comprehensive private health insurance plans, the company also offers assistance with Obamacare or the reformed Affordable Care Act. BYGA Health Insurance & Medicare Plans is available for both English and Spanish-speaking clients.

License Verified:

License: 980430

Texas Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (72)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
El Paso Del Norte Advisors logo
Visit WebsiteWebsite

License Verified:

License: 1652496

Texas Department of Insurance

El Paso Del Norte Advisors

11395 James Watt Drive, El Paso, TX 79936
Visit WebsiteWebsite
  • Individual Plans
  • Group Plans

Business Description

Founded in 2005, El Paso Del Norte Advisors is an independent health insurance agency that represents various insurance companies. Its health insurance includes Obamacare, Medicare Supplements, Medicare Advantage plans, final expense life insurance, and annuities. Some of its carriers are Blue Cross, Blue Shield of Texas, Cigna-Healthspring, Humana, and UnitedHealthcare. In addition, El Paso Del Norte Advisors is capable of providing quotes and enrolling people through Healthcare.gov Marketplace, and qualifying them to receive premium subsidies from the federal government.

License Verified:

License: 1652496

Texas Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.8
Google
3.0 / 5 (14)
Facebook
4.6 / 5 (11)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Enroll El Paso logo
Visit WebsiteWebsite

License Verified:

License: 1089647

Texas Department of Insurance

Enroll El Paso

955 North Resler Drive, El Paso, TX 79912
Visit WebsiteWebsite
  • Individual Plans
  • Life Insurance

Business Description

Enroll El Paso addresses the life and health insurance needs of clients in the metro. David Boyle, an experienced insurance agent, helps clients enroll, understand their options, or manage their insurance plans. Boyle and his team strive to provide clients with comprehensive health insurance coverage that fits their needs and objectives. Additional coverage includes life insurance, dental plans, final expense, and senior health options. Moreover, the team aims to meet the client's and the company's standards.

License Verified:

License: 1089647

Texas Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (94)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Flor Insurance Group, LLC logo
Visit WebsiteWebsite

License Verified:

License: 712351

Texas Department of Insurance

Flor Insurance Group, LLC

4420 N. Mesa St., El Paso, TX 79902
Visit WebsiteWebsite
  • Individual Plans
  • Life Insurance

Business Description

Flor & Associates Insurance Agency is an El Paso company that helps businesses and individuals mitigate health-related financial risks. Its health insurance solutions include short-term and long-term care, accident, cancer, and disability insurance. An El Paso native, Flor Caballero Lynch, the agency owner, has been providing insurance services for over 27 years. She has served as president of the local independent insurance agents' association. Leo Bennato, the COO, worked as the CEO of a hostel and bed chain before joining the agency.

License Verified:

License: 712351

Texas Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (52)
Facebook
4.0 / 5 (39)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Mt. Franklin Insurance logo
Visit WebsiteWebsite

License Verified:

License: 1014833

Texas Department of Insurance

Mt. Franklin Insurance

1444 Montana Avenue, El Paso, TX 79902
Visit WebsiteWebsite
  • Life Insurance

Business Description

Mt. Franklin Insurance is an independent insurance broker that serves clients in El Paso. It specializes in offering various healthcare, vision, and dental insurance plans from several providers that include Travelers, Progressive, and Liberty Mutual. The agency also covers other insurance products and services for cars, homes, and businesses, and its staff can speak Spanish. Shane Lipson and Bill Carvajal founded Mt. Franklin Insurance in 2010. They have 45 years of combined experience in the insurance industry.

License Verified:

License: 1014833

Texas Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (86)
Facebook
5.0 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Premier Insurance Services logo
Visit WebsiteWebsite

License Verified:

License: 1635531

Texas Department of Insurance

Premier Insurance Services

1626 Lee Trevino Drive, El Paso, TX 79936
Visit WebsiteWebsite
  • Individual Plans
  • Life Insurance

Business Description

Premier Insurance Services is an insurance company that caters to individuals and families that are interested in acquiring a health policy. It operates in El Paso where it helps customers understand the market and their options. It offers home, auto, and life insurance plans for clients with an aim to ensure the safety and protection of their properties. In addition, it creates customized commercial insurance for businesses. Premier Insurance Services specializes in personal service and is dedicated to providing quality products.

License Verified:

License: 1635531

Texas Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (7)
Facebook
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Ramos Health Plans, Inc. logo
Visit WebsiteWebsite

License Verified:

License: 980392

Texas Department of Insurance

Ramos Health Plans, Inc.

1413 Montana Avenue, El Paso, TX 79902
Visit WebsiteWebsite
  • Individual Plans

Business Description

Ramos Health Plans, Inc. is a full-service independent agency that offers insurance solutions to clients in El Paso and its adjoining areas. It services both English and Spanish-speaking clients and has helped individuals find and secure comprehensive insurance plans that provide coverage for medical, surgical, and hospital expenses. Two of the most common health plans the agency assists with are Medicare Advantage and Medicare Supplementals. Additionally, Ramos Health Plans, Inc. also assists with final expense insurance plans.

License Verified:

License: 980392

Texas Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Facebook
4.6 / 5 (9)
Google
3.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
SW Texas Insurance logo
Visit WebsiteWebsite

License Verified:

License: 1231916

Texas Department of Insurance

SW Texas Insurance

5555 North Mesa Street, El Paso, TX 79912
Visit WebsiteWebsite
  • Life Insurance

Business Description

SW Texas Insurance is an El Paso-based independent insurance agency offering multiple insurance packages. The agency works with multiple providers to find the most appropriate coverage for its clients. It offers group health insurance for businesses as well as Medicare health insurance assistance for Medicare Supplements and prescription drug plans. Its life insurance policy options include term, whole, universal, and final expense insurance. SW Texas Insurance also offers comprehensive vehicle, property, and business insurance packages.

License Verified:

License: 1231916

Texas Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (18)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Back to Providers

Frequently Asked Questions

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.

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.

What is health insurance?

Health insurance policies are contracts that require an insurer to pay some or all of a beneficiary's health care expenses in exchange for a premium and deductible. Plans cover preventive care and emergency medical services arising from an injury or illness. They may also offer optional coverage for dental and vision.

How do health insurance companies make money?

Health insurance companies make money by collecting premiums from consumers and reinvesting the funds. Federal law requires insurers to put approximately 80-85% of collected funds toward claims, and 15-20% is used to pay for administrative expenses.

What is subsidized health insurance?

Subsidized health insurance is available exclusively through the Health Insurance Marketplace. This system applies federal tax credits that can reduce or eliminate premiums. Tax credits are available to consumers who earn up to 400% of the federal poverty level based on household size.

What is a health insurance deductible? 

A deductible is a fixed amount you must pay out-of-pocket before normal copays or coinsurance rates apply. Under the Affordable Care Act, some services, such as annual physicals and wellness screenings, must be covered at no charge.

Is it illegal to not have health insurance?

No. Starting in 2019, the federal government eliminated the penalty that applied to individuals who could afford health insurance but chose not to purchase it. Financial penalties still apply in California, Massachusetts, New Jersey, Rhode Island, Vermont, and Washington, D.C.

Does health insurance cover therapy? 

All Marketplace plans must cover behavioral health care services, including counseling, inpatient care, and substance abuse treatments. However, there are coverage limits, and preauthorization may be required.

What is a copay?

A copay is a fixed price that you pay at the time of service after your deductible is satisfied. Insurance companies set specific rates for primary and specialty care and other services, such as emergency room visits and X-rays. Alternatively, plans may have coinsurance rates that require beneficiaries to pay a certain percentage of covered charges.

What is the Health Insurance Marketplace?

The Health Insurance Marketplace is a federal service designed to help consumers compare and purchase subsidized health insurance plans that comply with the Affordable Care Act. A number of states operate their own insurance marketplaces, including California, Colorado, New York, and Pennsylvania.

How can you find health insurance without a job?

Individuals who don't have access to health insurance through their job can purchase ACA-compliant plans through the Health Insurance Marketplace. Off-exchange plans are also available through private insurers and independent agents. The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives certain individuals who are losing their coverage the right to maintain the same plan for a limited time period. 

Can you cancel health insurance at any time? 

Consumers can cancel their health coverage at any time. Cancellations may be effective immediately or at a specified date. However, you must wait until Open Enrollment to sign up for a new plan unless you qualify for a Special Enrollment period.

Can you have more than one health insurance policy?

It's possible to have primary and secondary health insurance. This is most common with Medicare and Medicaid beneficiaries, including dual enrollees and individuals who purchase supplemental plans. Secondary plans can cover some additional expenses, but you're still responsible for premiums and deductibles.

Is health insurance pretax?

Premiums for employer-sponsored health plans are generally deducted from the worker's pretax income. The same is true for voluntary contributions made to Flexible Spending Accounts and Health Savings Accounts that are paired with a qualifying high-deductible health plan.

How long can a child stay on a parent\'s health insurance policy?

Children can stay on their parents' health insurance plan until their 26th birthday. There's a 60-day special enrollment period following this date. Exemptions allow disabled adult children to remain on their parents' policy beyond this age.

Do you have to pay a health insurance deductible upfront?

In most cases, out-of-pocket expenses for approved services count toward your deductible. However, it's increasingly common for hospitals to request all or part of the deductible upfront when scheduling major services, such as CT scans and surgeries.

Do employers have to offer health insurance?

The Affordable Care Act requires companies with at least 50 full-time employees to make essential health benefits available to 95% of their workforce. Companies that choose not to offer such benefits may have to pay a penalty.

Is there a tax credit for having health insurance?

The Advance Premium Tax Credit is a federal tax rebate designed to lower the cost of health insurance plans purchased through the Marketplace. Eligibility is based on income and household size. Consumers can decide how much of their tax credit to put toward their premiums.

Read all FAQs