Category Archives: Group Insurance

Sept 2018 USA wage’s and federal deficit & debt.

By on September 26 2018 | | Leave a comment

Wages  ie take home pay for most Americans in the USA is, are flat.  But our government (all of us) will pay more in debt service next year due to US (the government)  not (…..trying…..)  to pay as we go. The way we are going we are leaving the problems for the next generations. This […]

Health Insurance in Texas Site Update To Version 3.5

By on July 31 2018 | Individual Insurance, Life Insurance, Medicare | Leave a comment

This is a revised Health Insurance for Texas website which was  made “live” last week (07/24/2018).  Welcome to web site “3.5”. This is the 2nd design change to this wordpress  website,, which started in  2007. Wehave also added both a  phone and tablet version (3.1) as well a log in for our group clients […]

Doctor and Insurance Co. News July 2016

By on August 3 2016 | | Leave a comment

The Houston Chronicle, had a story  where Blue Cross Blue Shield of Texas (BCBSTX) and Kelsey-Seybold Clinic announced (07/29/2016) that they would no longer work together. So that means if you have Health Insurance with Blue Cross that Kelsey-Seybold will not be in net work starting  October 01, 2016. As of 07/29 Kelsey-Seybold did not […]

ACA & Taxes for 2014

By on March 14 2015 | Heathcare Reform, Individual Insurance | Leave a comment

The Affordable Care Act (ACA) which changed health care and health insurance went live in 2014. There are lots of new things that will affect all Americans and Texans. I am  posting a link from our friends with the Internal Revenue Service. This may offer some help with filing 2014 taxes. Link      HCTT-2015-15: […]

Network In or Out for HMO and PPO Health Plans

By on February 27 2015 | Individual Insurance | Leave a comment

This short video from BCBS is good info for any health insurance plan.

Small Business Concerns Regarding the ACA

By on November 21 2013 | Heathcare Reform | Leave a comment

In this post you will find several articles that address business and small business concerns with the new ACA law. KHOU had a copy of an AP story titled. “3 things small businesses must do for health care” from Sept 25,2013. The Washington post had a good article titled” ObamaCare Myths : small business owners […]

Group Health Insurance for Small Companies in Texas

By on April 8 2013 | | Leave a comment

What will companies with less than 50 employees do starting in 2014 as far as health insurance is concerned? The short answer is the company can do what ever it wants to do.  Employers with less than 50 employees do not have to  offer a group plan or they can.  Only employers with more than 50 employees will […]

Affordable Group Insurance For Texas Small Businesses

By on March 31 2011 | | Leave a comment

Healthy Texas Healthy Texas, a new statewide public/private partnership health insurance program for small groups of employees in Texas,  went into effect  January 1, 2011. The partnership is between the Texas Department of Insurance (TDI) and two major health insurance companies, United Healthcare (UHC) and Celtic and came about as a result of the new […]

State Continuation and COBRA

By on August 31 2010 | | Leave a comment

COBRA (Consolidated Omnibus Budget Reconciliation Act) & State Continuation (or Texas Continuation) of Health Insurance Coverage These two forms of group insurance are in some ways the same and yet are different.  They are both the form of Health Insurance an employee can access in order to continue coverage when they leave the employment of […]

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