Individual Health Insurance

We specialize in providing affordable health insurance solutions for indivi- duals, families, self-employed persons and small businesses (2 - 50 lives). What you must know is that not all health insurance companies are created equal, especially when it comes to self-employed persons. Some insurance companies are not self-employed friendly. What that means is that if something happens to you while you are doing something for wage or profit (your job or business) the insurance company assumes that your employer (you) or workers compensation (Texas is a non-workers compensation state) pays for the claim. In either case the insurance company does not have to
(and probably would fight) pay the claim. Most people want the peace of mind knowing that their health coverage covers them 24 hours a day, seven days a week, 365 days a year, worldwide, on the job or off the job. Assuming this is what you want, Howell Health & Life Insurance is only appointed with insurance companies that are self-employed friendly.

We provide different plans available to suit any person or family. We custom design plans to suit your needs and budget. We take a consultative approach. This means we discuss with you what your needs and budget are and custom design a plan around that information.

Simply put, health insurance is protection against medical costs. A health insurance policy is a contract between an insurer and an individual or group,
in which the insurer agrees to provide specified health insurance at an agreed upon price (the premium). Depending on your policy, your premium may be payable either in a lump sum or in installments.

Health insurance usually provides either direct payment or reimbursement for expenses associated with illnesses and injuries. The cost and range of protection provided by your health insurance will depend on your insurance provider and the particular policy you purchase. If your employer does not
offer a health insurance plan, you may wish to purchase health insurance on your own.

Student Health Insurance