Almost everyone receives some type of increase in their health insurance premium. This usually become the incentive to re-shop that insurance. Many companies practice what I call, premium trolling. This is where they offer a low premium to entice customers to sign up and then every 6 months raise the premium. As an agent this drives me crazy and I have complained to the companies that I perceive are doing this. This is the primary reason you need an agent that represents more than one company. I tell most of my customers that this might happen to them so if they become unhappy with their insurance company, for any reason, let me know and we can re-shop the market.

Health companies are getting smarter. Many of them are offering rate guarantees for individual policies. This can be from 24 months to 36 months. Some charge an extra premium for this but it is usually worth it. Just the time that it takes to go through the underwriting process can be a pain. This change can even cause the change of a doctor.

Health issues limit your choices. One of the reason people have health insurance is to control the risk that comes with a sickness, hospitalization or accident. If this happens to you then your chances of getting good rates, or even coverage become limited. This often translates to "your stuck with rate increases and your current coverage for a while."

If you live in Texas and are interested in knowing more about rate guarantees give me a call. 940-594-8040 or toll free at 877-866-4156

Brent Trice
www.TexasHealthInsurance411.com