Terry Family Insurance

Terry Family Insurance Health Insurance Solutions for the Self Employed, Small Business Owner or Early Retiree Get a free quote today!
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Independent Health Insurance Agency specializing in finding affordable and comprehensive health insurance plans for self-employed individuals, early retirees, and small business owners. We offer personalized guidance and access to a wide range of plans to ensure you get the best coverage at the best price. Let us handle the complexities of health insurance while you focus on what matters most. Fin

d the perfect health insurance plan for your self-employed or small business needs. Services Offered
- Policy Review
- Health Insurance Consultation
- Health Insurance
- Dental
- Vision
- Supplemental
- Telemedicine
- Accident
- Critical Illness
- Hospitalization

Here's something that confuses most people about health insurance:Why does the ACA Marketplace have strict enrollment wi...
03/05/2026

Here's something that confuses most people about health insurance:

Why does the ACA Marketplace have strict enrollment windows, but private underwritten plans accept applications year-round?

The answer is simple: They manage risk differently.

**ACA Marketplace Plans (Guaranteed Issue):**
- Anyone can enroll during Open Enrollment
- No medical questions
- No health history review
- No denial for pre-existing conditions
- Risk is managed through community rating (everyone pays the same regardless of health)
- Enrollment windows are necessary because anyone can apply

**Private Underwritten Plans:**
- Carrier reviews health information upfront
- Medical questionnaire and prescription history evaluated
- Risk is managed through underwriting (healthier individuals get lower premiums)
- No enrollment windows needed because risk is evaluated before approval
- Applications accepted year-round

**The key difference:**

Marketplace plans use enrollment restrictions to manage risk. Private plans use health evaluation to manage risk.

That's why one is locked to specific months, and the other is available whenever you're ready to apply.

**What this means for healthy entrepreneurs:**

If you missed Open Enrollment and don't qualify for Special Enrollment, you're locked out of the Marketplace until November.

But you can apply for private underwritten coverage any month of the year.

If approved, you can start coverage at the beginning of the next month.

No waiting. No gap. No penalty.

Reply "YEAR-ROUND" if you want to understand how you can get coverage outside of Open Enrollment.

Schedule a call - https://tidycal.com/blake-terry

You missed Open Enrollment. Now you're wondering: Can I enroll in an ACA plan anyway?The answer depends on one thing: Di...
03/04/2026

You missed Open Enrollment. Now you're wondering: Can I enroll in an ACA plan anyway?

The answer depends on one thing: Did you have a qualifying life event?

**These DO qualify for Special Enrollment (60-day window to enroll):**
✅ Lost employer health coverage
✅ Got married
✅ Had a baby or adopted
✅ Moved to a new state or coverage area
✅ Lost Medicaid eligibility
✅ Got divorced (if it affects coverage)

If one of these happened to you, you're not stuck. You have 60 days to enroll in an ACA plan.

**These DO NOT qualify:**
❌ Missing the deadline
❌ Your plan is too expensive
❌ You want a better network
❌ You want lower deductibles
❌ You chose the wrong plan
❌ You're simply uninsured

The Marketplace does not make exceptions for regret. It requires a documented life event.

**Here's the important part:**

If you don't qualify for Special Enrollment, ACA enrollment is closed to you until November.

But that doesn't mean you're without options.

DM me if you're unsure whether you qualify for Special Enrollment. I can review your situation in 5 minutes.

If health insurance feels confusing, expensive, or overwhelming… you are not alone.Most small business owners want to ta...
02/26/2026

If health insurance feels confusing, expensive, or overwhelming… you are not alone.

Most small business owners want to take care of their employees — they just don’t know the smartest way to do it without overcommitting financially.

On March 10 at 9:00 AM in Argyle, I’m hosting a practical, pressure-free session where we break down the 3 realistic benefit strategies every small business should understand — and how to choose the one that actually fits your business.

✔ No sales pitch
✔ Clear, budget-friendly options
✔ Real-world examples
✔ Leave with clarity, not confusion

If you own or operate a small business and have ever thought,
“There has to be a better way to do this…” — this event is for you.

Seats are limited. Register in advance and save your spot.

Scan the QR code on the flyer or click here to register -

https://tidycal.com/blake-terry/save-my-seat

If you missed Open Enrollment, you probably think you're stuck until November.That's not always true.Here's what most pe...
02/26/2026

If you missed Open Enrollment, you probably think you're stuck until November.

That's not always true.

Here's what most people don't understand: Open Enrollment only controls ACA Marketplace plans. It does not control every form of major medical insurance.

**Here's the reality:**

If you missed the deadline and don't qualify for Special Enrollment, you cannot enroll in an ACA plan mid-year. That's the rule.

But there's another system operating in parallel that most healthy entrepreneurs don't know about.

Private underwritten major medical plans are not tied to Open Enrollment. They accept applications year-round.

Why? Because they evaluate health risk upfront through underwriting. They don't need calendar restrictions. They manage risk through health review instead of enrollment windows.

**What that means for you:**

If you're healthy and missed the deadline, you may have options beyond waiting 8–9 months.

The only way to know is to understand how both systems work.

DM, Email or Book a Consult - if you missed Open Enrollment and want to know if you have other options available right now.

[email protected]

https://tidycal.com/blake-terry

If both Marketplace and private PPO plans are strong major medical, why does it matter?Three reasons.** #1: You're Price...
02/25/2026

If both Marketplace and private PPO plans are strong major medical, why does it matter?

Three reasons.

** #1: You're Priced Based on You**

Marketplace plans group everyone together. Private PPO plans separate healthier individuals into healthier pools. Same strength. Different risk structure. That's the price gap.

** #2: Nationwide PPO Access**

This matters more than most realize. Many Marketplace plans use narrower networks. That works today. But what about:
- A specialist in another city?
- A move?
- A child needing a specific doctor?
- Travel?

Private PPO plans often provide broader, nationwide network access. The doctor you might need tomorrow matters more than the one you use today.

** #3: Long-Term Rate Stability**

This is the quiet advantage.

Marketplace plans often see double-digit rate increases. 15%. 20%. Sometimes more.

Private underwritten PPO plans typically increase 2–5%.

Why? Because the pool remains medically screened.

Saving $19,800 this year is powerful. Avoiding 20% increases every year after that? That's long-term financial control.

Over 10 years, that difference could mean $100,000+ in savings.

Book a call if you're a healthy, high-income business owner paying $2,000+ per month. We'll review your eligibility and potential savings.

When I say underwriting, most people think it means they'll get denied.That's not how it works.Underwriting simply means...
02/22/2026

When I say underwriting, most people think it means they'll get denied.

That's not how it works.

Underwriting simply means the carrier looks at your health history before offering coverage. That's it.

They ask:
- Medications?
- Diagnoses?
- Recent surgeries?
- Height and weight?
- To***co use?

If you qualify, you enter a healthier risk pool. Lower claims. Lower premiums.

**Here's what commonly gets approved:**
✅ Controlled high blood pressure
✅ High cholesterol
✅ Hypothyroidism
✅ Well-managed Type 2 diabetes
✅ Surgically repaired injuries
✅ Cancer-free for over 5 years

Underwriting looks for stability, not perfection.

**Here's what typically doesn't qualify:**
❌ Type 1 diabetes
❌ Heart disease
❌ Cancer diagnosis within 5 years
❌ Conditions requiring surgery not yet completed
❌ Known current pregnancy

If someone doesn't qualify, we don't move them. Simple.

But here's what surprises most people: Many entrepreneurs who think they won't qualify actually do.

Click Below to schedule a call - If you want to know if your health history would qualify for private underwritten coverage.

Phone Appointments - https://tidycal.com/blake-terry

Here's what confuses people about private underwritten PPO plans:They think they're sketchy or not real insurance.Let me...
02/21/2026

Here's what confuses people about private underwritten PPO plans:

They think they're sketchy or not real insurance.

Let me clear that up.

**Both Marketplace plans AND private underwritten PPO plans are regulated major medical insurance.**

They both cover:

✅ Hospital stays
✅ Specialist visits
✅ Mental health
✅ Maternity
✅ Preventive care
✅ Prescriptions

Neither is a health share. Neither is a discount program. Neither is a short-term policy.

**So what's the difference?**

It's not whether they're real insurance. They are.

The difference is how they're priced.

Marketplace plans use community rating. Everyone in your age/location pays the same, regardless of health.

Private PPO plans use underwriting. Your health history determines your rate.

Healthier individuals get grouped into healthier risk pools. Healthier pools have lower claims. Lower claims mean lower premiums.

That's why savings often land in the 40–70% range for the right family.

DM or Book a Call - if you want to understand the difference between community-rated and underwritten pricing.

Book a Call - https://tidycal.com/blake-terry

If you're a healthy business owner making good money and paying $2,000–$3,000/month for health insurance, here's somethi...
02/18/2026

If you're a healthy business owner making good money and paying $2,000–$3,000/month for health insurance, here's something most brokers won't tell you:

You might be in the wrong risk pool.

Here's how it works on the ACA Marketplace: If you earn over 400% of the Federal Poverty Level, you pay full price. And that full price is community-rated, which means your premium doesn't reflect your health.

Instead, you're grouped with:
- People managing chronic disease
- People undergoing active treatment
- People who enrolled because they need immediate care
- People receiving federal subsidies

You're all paying into the same pool. Even if you take no medications, have normal labs, exercise regularly, and have no major medical history.

**Your health doesn't reduce your premium.**

That's not a flaw in the system. That's how the system is designed.

But here's the thing: There's another option for the right entrepreneur.

Message me or use the link below to schedule a call if you want to know how we moved a Dallas family from $2,769/month to $1,119/month while lowering their deductible.

Schedule a call - https://tidycal.com/blake-terry

You've probably Googled "private health insurance" and found nothing useful.That's intentional.These plans aren't public...
02/16/2026

You've probably Googled "private health insurance" and found nothing useful.

That's intentional.

These plans aren't public. You won't find them on Healthcare.gov. You won't find them on some influencer's link tree. You won't stumble upon them on Reddit.

Why?

Because they're only available through licensed agents and brokers who:

✅ Shop plans across multiple carriers (not just one)
✅ Walk you through the underwriting process
✅ Help you pick coverage that fits your actual needs
✅ Answer questions without trying to upsell you
✅ Make sure you understand what you're buying and why

It's like working with a financial advisor — but for your health coverage.

**The benefit of this system?**

You get personalized guidance. You don't get lost in a sea of options. You understand exactly what you're buying and why.

**The downside?**

You have to talk to someone. You can't just click "buy now" at 2 AM.

But if you're self-employed and serious about saving thousands on health insurance, that's worth a 15-minute conversation.

**Here's the truth:**

The best deals in health insurance don't come from Google. They come from relationships with people who know the market.

That's where I come in.

Book a quick call and I'll show you what private plans you actually qualify for and what they cost. No obligation.

Link to book a consultation - https://tidycal.com/blake-terry

Here's what confuses most people about private health insurance:**They use underwriting.**That sounds scary, but it's ac...
02/13/2026

Here's what confuses most people about private health insurance:

**They use underwriting.**

That sounds scary, but it's actually a good thing.

Underwriting means the insurance company asks about your health history to determine if you qualify. If you do, you get approved at a much lower rate because you're considered lower risk.

This is why private plans are more cost effective than ACA — they're not covering everyone regardless of health status.

**But here's what matters:**

Some private plans offer full benefits (maternity, mental health, prescriptions). Others exclude certain benefits to lower costs.

That's not a flaw — that's flexibility.

If you don't need maternity coverage, why pay for it? If you rarely use mental health services, why include it?

You customize what you actually need.

**The real advantage?**

Many plans are guarantee renewable. That means even if your health changes or you have a major claim, your plan won't be dropped or changed. You're protected long-term.

This is huge for self-employed people who need stability.

DM me and I'll explain which benefits matter most for your situation.

Let's talk numbers.**ACA Plan (No Subsidy):**Monthly Premium: $950–$1,200+Deductible: $8,700+Network: Limited (Some PPO)...
02/12/2026

Let's talk numbers.

**ACA Plan (No Subsidy):**
Monthly Premium: $950–$1,200+
Deductible: $8,700+
Network: Limited (Some PPO)
Annual Cost: $11,400–$14,400+

**COBRA:**
Monthly Premium: $1,200–$1,800+
Deductible: Varies
Network: Yes (PPO)
Annual Cost: $14,400–$21,600+

**Private Plan:**
Monthly Premium: $350–$600
Deductible: $5,000–$7,500
Network: Yes (PPO)
Annual Cost: $4,200–$7,200

**The math is simple:**
A private plan could save you $8,000–$10,000 per year compared to unsubsidized ACA.

That's enough to cover your deductible AND have money left over.

If you're healthy and self-employed, why would you pay more for less?

Reply "COMPARE" if you want a personalized cost breakdown for your situation.

Address

Argyle, TX
76226

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm
Saturday 8am - 11am

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