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Providing Affordable Individual & Family Health Insurance Solutions
Get access to quality health insurance plans, without worrying about high medical costs. Choose from a wide variety of plans that provide coverage for preventative services, doctor visits, emergencies, surgeries, hospitalizations, medications, and more.
Customized Health Insurance Plans Designed for Individuals and Families
Whether you’re self-employed or between jobs, every American has the right to affordable health insurance coverage. At Hercules Health Solutions, we help make that a reality. As an insurance broker, we work with individuals, families and business owners who want a high-quality plan to protect against the unexpected.
We believe you shouldn’t have to choose between affordability and coverage, so we provide a wide variety of options. We get to know your unique needs, lifestyle and budget to help find a plan from one of the leading insurance providers.
Whether you're self-employed, between jobs, or simply need private medical insurance outside of employer coverage — we'll help you find the right plan at the right price.
When picking a health insurance plan, it's vital to look beyond the just the monthly premium and consider total costs.
The Golden Rule: Make sure it covers your doctors, prescription drugs and any planned or expected medical services. Focus on balancing premiums, deductibles, and network providers to ensure the best fit for your needs.
It's essential that you take the time to consider 3 primary factors when shopping for health insurance...
HEALTHCARE NEEDS
How often to see a doctor? Specific healthcare needs: Prescriptions, planned surgery/ procedure, maternity, etc.?
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PROVIDERS AND FACILITIES
Consider the provider network. Are providers and facilities you see in-network? Can you see who you want?
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COST AND BUDGET
The biggest impact may be your financial situation. What budget make sense? Premiums, deductibles, copays, etc.
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Our goal is to ensure our clients have the right option to fit all of the their needs and budget.
Why Choose Hercules Health Solutions Over Direct Carriers
At Hercules Health Solutions is to empower our clients with informed insurance options through independent, client-first guidance—although we are based in Plano, Texas, our services extend far beyond Texas. We are licensed in 38 U.S. states and partner with 50+ top-rated insurance companies to ensure we protect lives and livelihoods.
We Partner With America’s Top-Rated Insurance Companies
Here are just a few of our partners
We Offer Health Insurance Plans for Every Situation
ACA Marketplace Health Plans
Health plans available through the Marketplace, also referred to as "ObamaCare" or the Affordable Care Act are health plans that must abide government-set standards, including coverage for the 10 essential health benefits like preventive care, prescriptions, and maternity care. These plans are categorized by "metal levels"—Bronze, Silver, Gold, and Platinum—which indicate how costs are split between the insurer and the enrollee, rather than the quality of care.
Marketplace plans are designed for individuals, families, self-employed workers, or those without affordable coverage through an employer. Many may qualify for tax credits (based upon their adjusted gross household income) that lower their premium, and in many cases, a Silver plan may cost less per month than a Bronze plan after subsidies.
If you're looking for regulated, full-coverage plan with protections with no waiting periods or denial for pre-existing conditions — especially if your income qualifies for lower premiums — the ACA coverage is a smart place to start.
When can I enroll?
Eligibility to enroll in coverage can only be done during the annual open enrollment period, unless you have experienced a major life event that allows you to enroll during a special enrollment period. If one of the events below happened recently, you may be eligible to enroll right now and avoid going uninsured or overpaying for COBRA.
What Is a Qualifying Life Event?
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Change or loss of employment
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Marriage or divorce
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Birth, adoption, or fostering a child
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Other potential qualifying events include: income changes income, citizenship, or immigration status.
Important dates:
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November 1st: Start of Annual Open Enrollment Period
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December 15th (Deadline for January 1st start)
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December 31st (Deadline for initial payment)
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January 15th: End of Open Enrollment (February 1st start)
Private Health Plans (Outside the ACA)
What is I don't qualify for tax credits or want to enroll in a plan through the marketplace? What options do I have?
Good news, we have options for this situation. Unfortunately, plans through the "Affordable Care Act" may not always be the most affordable option, nor the best fit for you personal healthcare needs or lifestyle. If you are looking for a plan to replace those offered through the federal marketplace, we can help!
If you are self-employed, an independent contractor/ 1099 worker, employed by not offered benefits through your employer, not eligible for tax credits or outside an enrollment period, bridging a gap between employment or Medicare. We have options that may fit your needs better.
We offer numerous alternative to the Affordable Care Act plans, which are often found to be more affordable, offer more flexibility in coverage and network — in many cases be a better fit for your needs.
Another major advantage to these private health plans is you do not have to wait until the annual open enrollment period (November 1st-December 15th). Enrollment can occur 12 months of the year and the coverage can begin within 24 hours of enrollment (in some cases).
Some examples of these alternative plan options: Short-Term Health Plans, Defined "First-Dollar" Benefit Plans, Self-Employed Health Plans, Health Share Plans.
Short-Term Health Plans
Short term health insurance, also called temporary or term health insurance, can be used to provide a temporary solution fill gaps in coverage or in some instance can be extended to 12-36 months in duration (dependent of state you reside).
Many short-term health insurance companies will have coverage exclusions and waiting periods as well as limitations to how many times you may repurchase coverage consecutively.
Consider short term if you’re: Between jobs, waiting for other coverage to begin, without health insurance and outside of Open Enrollment.
Defined "First-Dollar" Benefit Plan
A defined "First-Dollar" Benefit Plans allows you to take further control and manage your healthcare, with the freedom to visit any doctor or hospital you choose. In most cases, these plans have no outpatient deductibles, no copays and no coinsurance; which mean less out-of-pocket costs to you.
The insurance company pays a set (defined) benefit toward each service before you pay anything. Defined benefit plans are also referred to as Indemnity or “fee-for-service" plans. The health insurance company pays the listed benefit amount every time, regardless of the charged amount. If the benefit exceeds the bill, the client will receive excess benefits back. In fact, over 85% of of services result in "cash back" to clients.
A defined benefit plan also utilizes a PPO network to help lower client expenses prior to the benefits begin paid, which also allows for much more freedom in provider access. Check out our Flagship Partner Today!
Self-Employed Health Plans
Self-employed health plans are designed to offer coverage that is comparable to plans through the Affordable Care Act by providing "minimum essential coverage".
How do they work?
Private insurance companies partner with major provider networks (Aetna, Blue Cross Blue Shield, Cigna, and United Healthcare) to give broader access in their major provider networks. Plans offer customizations, deductible options, and qualify for members who receive funds from health reimbursement accounts (HRAs).
Health Share Plans
Healthshare Plans are provided by organizations whose members “share” medical costs. As part of a healthcare sharing plan, you're responsible for paying a "monthly" share amount (premium) as well as an “annual unshared amount” (deductible) that your medical expenses must exceed before the plan shares your expenses. Beyond that, medical expenses are shared among members of the organization. Health sharing organizations are mostly religious-based. Healthcare sharing is not insurance and not governed by each states Department of Insurance (DOI).
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Benefits of Working With an Insurance Broker
1.) It will not cost you more to use our services. Our plans let you start using your benefits day-one without a co-pay OR meeting a deductible, making this an extremely affordable health insurance option. In fact, the only time a deductible would be applied is if you stayed a full 24 hours in the hospital and even then, you get to customize your deductible amount to fit your budget!
2.) Your situation is unique and should be treated that way. Basing your plan selection on the advice of friends, family, and neighbors isn’t always the most suitable choice for your needs.
3.) Higher premiums do not always mean "more coverage." Many insurance carriers offer a variety of plans. Hercules Health Solutions assists in selecting a plan appropriate for your needs and budget.
4.) Be mindful of networks and travel coverage. Hercules Health Solutions' licensed agents verify networks and ensures your plan selection fits your lifestyle. Not all options provide the same benefits.
5.) Not all agencies who sell health plans can also provide proper customer support. Many agents sell health plans but cannot offer comprehensive service or selection. Hercules Health Solutions offers a wide variety of options and has a licensed service team available to you throughout the year.
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