Texas Insurance for You

Book your no-cost health insurance consultation

A focused 20 to 30 minute conversation about your health insurance options. No pressure, no obligation to enroll in anything. Pick a time below and we will take it from there.

Independent broker.

Licensed in Texas

This consultation is for health and life insurance — not Medicare

This booking page is for individuals and families under 65 looking for health, life, dental, vision, or related coverage.

If you need Medicare help — including Medicare Advantage, Supplement, or Part D — please book a Medicare consultation instead.

Pick a time that works for you

What we can discuss during your consultation

Health coverage for you and your family

  • ACA marketplace plans and subsidy eligibility

  • EPO and HMO individual and family plans

  • Dental and vision standalone plans

  • Global medical plans for international coverage

Supplemental and non-ACA options (these are not major medical)

  • Short-term health coverage to bridge a gap

  • Indemnity plans — no network, no referrals, pays a fixed amount per event

  • Hospital and accident coverage to stack on top of a real plan

Life and protection

  • Term life insurance

  • Whole life insurance

  • Final expense coverage

  • Long-term care insurance

  • Short-term disability

  • Global rescue and emergency transport

If you've been offered a PPO in Texas, a "healthshare," or a plan that sounded too cheap to be real — bring it.

We'll look at it together.

Here is what to expect

Step 1: Book a time. Choose a day and time using the calendar above. Most health insurance consultations run 20 to 30 minutes.

Step 2: Complete a short form. Right after booking, you will receive a form with about 12 questions. Takes about 2 minutes. Helps me skip the basics and get straight to what matters for your situation.

Step 3: We connect your way. Google Meet is preferred — you can see plan options on screen as we go through them together. Phone works great too.

A few things people always ask before booking

Is this really no cost?

Yes. Independent Medicare brokers are paid by the insurance companies — not by you. Your premium is exactly the same whether you work with a broker or enroll on your own. No fee, no charge, no catch.

Will I be pressured to enroll in something?

No. If the right answer is to keep what you already have, I'll tell you that. If I don't have a better option for your situation, I'll tell you that too. Straight answers — that's the job.

Will my information be shared with other agents or companies?

Never without your written permission. Your information stays with Texas Insurance for You. You will not get calls from other companies because you booked here.

I was offered a PPO plan in Texas—should I bring it to the consultation?

Yes — bring it. PPO plans are not available in the Texas individual and family market. If someone offered you one, something may not be right about what you were shown. We will look at it together and give you a straight answer.

What should I have ready before our call?

Nothing. After you book, you'll get a short form that covers what I need to know — doctors, medications, current plan. Takes about 2 minutes. Show up to the call, and we'll take it from there.

I am not in San Antonio — can we still work together?

Absolutely. I am licensed throughout Texas and handle most consultations by phone or Google Meet. Location is never a barrier.

What if I just have a quick question?

Call or text (210) 714-1775, and I'll answer it if I can. If it needs more time, we'll book a proper consultation. No pressure.

What Texas clients are saying

Charles Valdez has been helping my family find health insurance for six years, and we have recommended him to our friends and family. He is very knowledgeable about finding the right insurance for us. He keeps us updated on anything he feels we need to know, is patient when listening to all our questions, and is always honest with the information he provides. I highly recommend giving him a call.

Ismael R

"Charles Valdez is an excellent agent. He is very patient, answers every question, and has exceptional follow-up. Very helpful, great experience — tremendous help all around."

Lisa C

Ready to find coverage that actually fits?

No obligation and no pressure. Just an honest conversation about what makes sense for your situation in Texas. If you have been offered something that does not feel right, reach out — a second opinion costs nothing.

Serving San Antonio and communities throughout Texas, including the Hill Country, South Texas, McAllen, Corpus Christi, Houston, Austin, and El Paso.

This page covers health, life, and related insurance products for individuals under 65 and is not related to Medicare or Medicare Advantage plans. Texas Insurance for You is an independent broker licensed throughout the state of Texas. Plan availability and pricing vary by location and are subject to change. Not all carriers or plans are available in all areas of Texas. This content is for educational purposes and is not intended as legal or financial advice.