Health Insurance That Makes Sense!

Our insurance expertise and knowledge cost you nothing to utilize! Allow us to save you the headache of figuring out the complexities of insurance and take advantage of the years of experience available to you! Schedule your FREE consultation today to see how we can help…

From Medicare to Individual and Family Health Insurance, we can assist you and your family for all of your insurance needs. Our mission is to find you the best coverage and pricing available to you, with a plan that is tailored to your health needs. Honesty and putting you in the right plan is our top priority – we’ll deliver expert advice and guidance for your health insurance needs, with no pressure! Allow me to be your trusted agent in the Crossroads, and guide you through your health insurance needs!

Medicare Insurance Agent Victoria, TX

Medicare can be complex and confusing for those enrolling into Medicare for the first time, as well as those already enrolled with the yearly changes to Medicare. Using a local agent in the Crossroads will allow you to get expert guidance and assistance with the Medicare process from enrollment into parts A&B, finding and choosing a plan that will fit your needs and budget, and utilizing other programs to save money on your Medicare coverage.

How Medicare Works

There’s a few different circumstances that will make you eligible to receive Medicare benefits. This includes turning 65, retiring and dropping your employer sponsored health insurance, receiving Social Security Disability Income (SSDI) for 24 months, and certain qualifying health conditions (ESRD, ALS, etc.)

Original Medicare is separated into 2 parts, Part A and Part B. These cover your doctors and hospital bills but they don’t cover 100% of your costs or prescription drugs, and can leave you with very expensive deductibles and co-insurance (with no yearly limits). By utilizing a Medicare Supplement Plan paired with a Prescription Drug Plan (Part D) or a Medicare Advantage Plan (Part C) that includes your Part D coverage, we can lower your exposure to expensive hospital and drug costs that you’d experience by having Original Medicare only.

When to Enroll Into Medicare

You will have an Enrollment Period available to you depending on your specific circumstances. We recommend enrolling into Medicare within the first 3 months that you become eligible in order to have your A&B active, a plan selected, and experience no lapses in your health coverage. We can assist you in the entire enrollment process while providing you expert, non-biased guidance based on your specific needs.

Medicare Supplement

Medicare Supplement Plans (Medigap) fill in the gaps of Original Medicare, limiting the out of pocket expenses that you would be exposed to. Supplement plans are standardized by plan letters A-N, meaning that the coverage is the same for all carriers, the only differences will be pricing. Supplements offer great coverage with stability of cost through a monthly premium as opposed to copayments and coinsurance. You will still need to enroll in a Prescription Drug Plan (Part D), and any dental, vision and hearing plans separately from your supplement plan, with separate costs and premiums for each one.

Medicare Advantage

Medicare Advantage Plans take over for Original Medicare through private health insurance companies (United Healthcare, Humana, etc.). Medicare Advantage plans typically have low to $0 premiums, extra coverage such as dental, vision, and hearing, as well as extra perks such as gym memberships and groceries. Medicare Advantage plans trade out the cost of a monthly premium for copayments and coinsurance. Advantage plans will also include your Prescription Drug Plan (Part D), meaning you can have all of your insurance coverage with one plan.

Health Insurance Agent Victoria, TX

Using a local health insurance broker in the Crossroads can allow you to find the best coverage as well as the best rates for you and your family. We assist you by shopping all of the plans in your specific area and complete the enrollment process for you free of charge! Don’t overpay for your health insurance – use a local agent today!

How Marketplace Insurance Works

Marketplace Insurance, also known as Obamacare or Affordable Care Act, offers insurance to individuals (under 65 years old) and families through Advanced Premium Tax Credits (APTCs) and Cost Savings Reductions (CSRs). Insurance plans are offered by private companies and premiums will be paid directly to the carriers.

To be eligible for Marketplace Health Insurance you need to be a U.S. citizen, national, or non-citizen that is lawfully present. Those who are incarcerated are not eligible for Marketplace insurance. You must also file a tax return in order to receive your tax credits that can be used for your insurance premiums. Failure to file a tax return could result in you not receiving tax credits the following year.

The amount of that you’ll receive in Advanced Premium Tax Credits and Cost Savings Reductions is based on a few factors including your household size, income, and the age of the individuals that will be covered by Marketplace Insurance. Below is a chart of the different income amounts, based on household size, in relation to the Federal Poverty Level. We use this chart to determine eligibility for tax credits based on your household size and income.

📊 2025 Federal Poverty Level (FPL) Chart for Premium Tax Credits

Household Size	100% FPL	200% FPL	300% FPL	400% FPL
1	$15,060	$30,120	$45,180	$60,240
2	$20,440	$40,880	$61,320	$81,760
3	$25,820	$51,640	$77,460	$103,280
4	$31,200	$62,400	$93,600	$124,800
5	$36,580	$73,160	$109,740	$146,320
6	$41,960	$83,920	$125,880	$167,840
7	$47,340	$94,680	$141,020	$189,360
8	$52,720	$105,440	$158,160	$210,880
For each additional person, add	$5,380	$10,760	$16,140	$21,520

Advanced Premium Tax Credits are a credit that is given to you in advance based on your household size and income to assist in the cost of health insurance premiums. If you’re application is done incorrectly it could result in you paying back some of your tax credits at the end of the year. We recommend using an agent, like myself, to assist you with this process to avoid costly mistakes and penalties.

Marketplace Plans are required to provide Minimum Essential Coverage under the Affordable Care Act. This ensures that you will have the basic health insurance coverage for the plan that you choose. Marketplace plans are also guaranteed issue, meaning they are required to accept you to a plan, regardless of any prior or current health conditions.

Health Insurance Plans Victoria, TX

The marketplace offers a wide variety of plans from different carriers based on your specific zip code or service area. Plans are broken up into 4 different categories: Bronze, Silver, Gold, Platinum. Each one of these categories will come with different tax credits and cost saving reductions. The level of care and quality does not differ based on category, the differences will be in your out-of-pocket expenses, cost of your premiums, and cost of your deductible.

Marketplace insurance will be offered in different plan types based on the zip code or service area you are located in. The most common plan type in the Crossroads area will be an HMO (Health Maintenance Organization). HMOs utilize a network of doctors, specialists and hospitals that service their members. It’s important to check the networks of the carriers and plans to make sure you will be able to see your primary doctor and any specialists you may see. Our team will do this for you when assisting with your enrollment!

When to Enroll In Marketplace Insurance

There’s multiple enrollment periods based on certain life circumstances as well as a yearly Open Enrollment Period that starts November 1st and ends January 15th. During this time period you can renew, sign up, or change your Marketplace insurance plan. Enrolling by Dec 15th allows your plan to start January 1st, and enrolling by the 15th allows your plan to start on February 1st.

Many individuals will qualify for Special Enrollment Periods (SEPs) throughout the year depending on certain life changes that could affect their health insurance coverage. The most common is loss of coverage due to job loss or changes, moving to a different zip code or service area, or a change in marital status.

We recommend using an agent when enrolling to avoid application errors and penalties. We can assist you in the enrollment process for Individual and Family Plans as well as shopping to find the best coverage at an affordable price for you! The enrollment process can be completed in as little as 15 minutes, let’s get you covered today.

Why Choose Donahvan?

When you use Insurance With Don you get a dedicated insurance agent on your side every step of the way. Insurance changes frequently and can become a headache at times. By utilizing Donahvan as your health insurance professional, you have years of knowledge and expertise at your disposal for all of your insurance needs!

My mission is to provide you with the resources needed to keep you and your family safe, while saving you money!