Health Insurance in Texas - Private Plans Built Around Your Life
Life, Health & Family Insurance health insurance for Texas individuals, families, and small businesses. Rates locked until age 65, first-dollar coverage, and a local agent who actually knows your name.
Finding the Right health insurance in Texas
Health insurance in Texas does not have to mean choosing between unaffordable ACA premiums and inadequate coverage. Through Life, Health & Family Insurance, Kirk Surber offers private health plans for Texans that provide real protection - with rates locked until age 65 and first-dollar coverage that eliminates the deductible gap. Serving Montgomery, Conroe, Willis, Magnolia, Spring, Houston, and clients across all of Texas.
Why Choose a Life, Health & Family Insurance Plan?
- Private health plans - not ACA marketplace limitations
- Rates locked until age 65 with no annual increases
- First-dollar Association Membership coverage - no deductible surprise
- Plans for individuals, families, and small businesses
- Life, Health & Family Insurance core plans: Comprehensive Option, Standard Option, Pre-Existing Condition Option
- Supplemental dental, vision, disability, and life coverage available
First-Dollar Coverage. No Deductible Surprises.
Most health plans leave you paying a $3,000–$6,000 deductible before coverage kicks in. Through our Association Membership, your benefits start from dollar one - before you ever reach your deductible. Your rates stay locked until age 65 with no annual increases.
Learn How It WorksA Local Agent Who Understands Your Situation
Kirk Surber is a licensed life and health insurance agent based in Montgomery, TX serving clients across the entire state of Texas. As a veteran and former business owner, he understands what Texans need from their health coverage - and he works with Life, Health & Family Insurance to deliver plans that provide real value, not just a monthly premium bill.
Based in Montgomery, TX and serving clients across Conroe, Willis, Magnolia, Spring, Houston, and all of Texas - Kirk offers free, no-pressure consultations via video so you can get answers from wherever you are.
Frequently Asked Questions About health insurance
What health insurance options are available in Texas outside of ACA?
Life, Health & Family Insurance offers private health plans that are not ACA marketplace plans. These plans offer rate stability locked until age 65, first-dollar coverage, and more flexible structures for individuals, families, and small businesses.
How much does health insurance cost in Texas?
Costs vary based on age, coverage level, and plan type. Life, Health & Family Insurance plans are competitively priced with the added benefit of rate stability - your premium will not increase annually like ACA plans.
Can I get health insurance in Texas if I am self-employed?
Absolutely. Life, Health & Family Insurance plans are specifically well-suited for self-employed Texans, 1099 contractors, and small business owners who need individual or family coverage without employer subsidies.
Does Kirk Surber serve all of Texas?
Yes. While Kirk is based in Montgomery, TX, he serves clients across all of Texas via video consultation - including Houston, Dallas, San Antonio, Austin, and everywhere in between.
Get a Free Health Insurance Quote in Texas Today.
A free, no-pressure conversation is all it takes. Kirk will listen to your situation and help you find coverage that actually works - at a rate that stays locked until age 65.