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.

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.

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.

6 Best Richardson Health Insurance Agencies

Ann Nguyen

12655 North Central Expressway, Dallas, TX 75243

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Individual Plans
Life Insurance

Ann Nguyen is a State Farm insurance agent serving residents in Richardson and nearby communities since 2007. She helps her clients personalize their health insurance, disability insurance, and liability insurance to fit their needs and goals. She also assists in banking and mutual funds, car insurance, home insurance, life insurance, and renter's insurance plans. Recognized for her commitment to clients, she received various awards, including Ambassador Club, Lone Star Leader, and Silver Scroll Awards.

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AV Towers Insurance Group

610 Uptown Boulevard, Cedar Hill, TX 75104

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Health Insurance

AV Towers Insurance Group is a team of Medicare consultants that serves the residents of Richardson. The company assists individuals in their Medicare enrollment before they turn 65 and inform them of alternative plan options, such as Medigap policies, Medicare Advantage, and Part D plans. Its professionals help clients aged 66 and older get covered by a group health plan in delaying Medicare enrollment until the coverage ends. Vicki and Fred Torres established the company in 2014.

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Frederiksen & Frederiksen

12900 Preston Road, Dallas, TX 75230

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Life Insurance

Frederiksen & Frederiksen is a third-generation, independent agency that assists the risk management needs of Richardson residents. Included in its line of services is health insurance which covers vision, dental, and major medical coverage plans. Offering both individual and group health plans, the company has access to policies from multiple providers such as MetLife and Nationwide. Frederiksen & Frederiksen is led by Mark Frederiksen, a Certified Risk Manager and Certified Insurance Counselor, who joined the 72-year-old business in 1996.

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Grayhawk Insurance & Risk Management

1820 North Greenville Avenue, Richardson, TX 75081

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Individual Plans

Grayhawk Insurance & Risk Management is an independent financial services firm and an insurance agency that serves clients in Richardson. It offers various healthcare, vision, disability, and dental insurance plans that provide financial security to beneficiaries. The agency has also been playing the role of insurance, risk, and financial advisor for over 19 years. Founder Gary Johnson, who had over 35 years of experience in the insurance industry, established the company in 1997. Rob Dreiling currently serves as company president.

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Patterson & Associates Insurance

2435 North Central Expressway, Richardson, TX 75080

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Life Insurance

Headquartered in Richardson, Patterson & Associates Insurance provides insurance services to individuals, families, and businesses. It carries health insurance plans like Medicare supplements, trip/accident coverage, medical savings account, and long-term care. Ron Patterson founded the agency in 1983 after working for Safeco Insurance Company. It has grown to 35 employees since then. With 100 years of combined experience, it now represents many insurance companies, making it a one-stop insurance shop for clients.

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Roach Howard Smith & Barton

8750 North Central Expressway, Dallas, TX 75231

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Life Insurance
Group Plans
Group Health Benefits

Roach Howard Smith & Barton is an independent insurance agency that renders its expertise in Richardson and its nearby areas. It offers health, home, auto, and other personal insurance options. It also provides specialized services such as kidnap and ransom, worldwide travel and medical, and excess liability coverage options. Its agents strive to customize insurance plans to cater to the client's lifestyle and capacities. Roach Howard Smith & Barton has over 75 years of history in the insurance industry.

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Best Health Insurance Agencies in Richardson

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Health Insurance Agencies FAQs

Ann Nguyen

AV Towers Insurance Group

Frederiksen & Frederiksen

Grayhawk Insurance & Risk Management

Patterson & Associates Insurance

Roach Howard Smith & Barton

Frequently Asked Questions

Q: Is there a tax credit for having health insurance?

Q: Do employers have to offer health insurance?

Q: Do you have to pay a health insurance deductible upfront?

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