Hi there! I’m a licensed insurance Broker located in San Antonio, TX.  But this site is not meant to sell you one darned thing.  I’m writing this to help you understand what you need to know and what actions you need to take right now.  Whether you choose to use me as your agent or not, this information will benefit you in making the right decisions.

I am certified to represent the most popular Medicare Supplements available to my clients age 65 and older, and also certified to represent both individual and group major medical plans for families and small businesses.  As a true Broker, I represent over 30 different insurance carriers.

Coverage options can be confusing, and although the information you need is available, it’s scattered in so many places that it’s difficult to figure out what you really need to do.  I’ve tried to organize the most important information in a way that you can easily and logically access.

With over 25 years experience, I am here to help you understand and comply with the new Healthcare legislation, known as the Affordable Care Act (ACA).  I’ve read the law, I understand the law, and I’m hoping that the information contained in this website will help you to avoid the consequences of non-compliance and find the best solution for your situation.

My direct line at my office is 210-821-1700, or you can call my cell phone at 210-861-3684.  I’d be happy to answer any questions for you and I can email quotes for health insurance, long term care insurance, Medicare supplements, annuities and life insurance for individuals and businesses.

For your convenience, I’ve included links to pdf documents that you can view and print, most of which come directly from the IRS.  Remember, the ACA was determined to be constitutional because it is first and foremost a Tax.  So understanding what you need to do to avoid paying the Tax Penalty is rather important.  The costs associated with non-compliance can be quite high, so figuring this out is very important.


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