Custom Health Plans, Inc.

Custom Health Plans, Inc. twitter.com/richardmonello

Founded by Richard Monello, CHP was formed with one purpose in mind: to create the most cost-effective, affordable health insurance solutions available for individuals, families, small businesses and the self employed. Custom Health Plans is a full-service Texas health insurance broker providing affordable Texas health insurance solutions to individuals, families, small businesses and the self emp

loyed. Based in Dallas, TX, our team of professionals has more than 30 years of experience in the health insurance and financial services fields. Our integrated suite of online services and partnerships with top health insurance carriers positions us to offer the highest level of service and guarantees the best rates and coverage.

Did your health plan just become HSA-eligible without anyone telling you?As of 1 January 2026, every Bronze and Catastro...
09/02/2026

Did your health plan just become HSA-eligible without anyone telling you?

As of 1 January 2026, every Bronze and Catastrophic plan on the Exchange counts as HSA-compatible. Around 7.3 million people just became eligible for a health savings account they did not know they could open.

If you are on a Bronze plan in Texas, that could be you.

Why it matters: an HSA is the only account with three tax breaks. Money goes in before tax, grows tax free, and comes out tax free when you spend it on care.

For 2026 you can save $4,400 for yourself or $8,750 for a family.

One catch. If you are shopping off the Exchange, the older rules still apply and not every high deductible plan qualifies.

We will check your plan at no charge and tell you either way. Want us to take a look?

https://www.customhealthplans.com/blog/hsa-insurance-plans-texas/

HSA vs FSA vs HRA. Which one actually keeps your money?It comes down to one thing: ownership.An HSA is yours. It rolls o...
08/31/2026

HSA vs FSA vs HRA. Which one actually keeps your money?

It comes down to one thing: ownership.

An HSA is yours. It rolls over, it grows, and it moves with you when you change jobs.

An FSA is your employer's plan, and you usually have to spend it by year end.

An HRA is your employer's money, with their rules attached.

So the "use it or lose it" worry Texans ask us about is really an FSA problem, not an HSA one.

For 2026 the HSA limit is $4,400 for one person or $8,750 for a family, with an extra $1,000 at 55 and over.

Here is the part that trips people up. Your health plan has to qualify before you can open an HSA at all, and not every high deductible plan does.

We will check yours at no charge. Want us to take a look?

https://www.customhealthplans.com/blog/hsa-vs-fsa-vs-hra-which-one-is-right-for-you/

Lower premium, higher deductible. Is that actually cheaper?It depends entirely on your year. A high deductible health pl...
08/26/2026

Lower premium, higher deductible. Is that actually cheaper?

It depends entirely on your year.

A high deductible health plan saves you money every month, then asks you to cover more of the first costs yourself.

In a healthy year you come out ahead. In a heavy-care year you usually do not.

For 2026, the IRS floor is a $1,700 deductible for one person or $3,400 for a family, with your costs capped at $8,500 or $17,000.

The real draw is the health savings account it unlocks, with three separate tax breaks that no other account offers.

One thing worth checking first: not every high-deductible plan actually qualifies for an HSA.

We can confirm that for you at no charge and compare options across Cigna, Humana, UnitedHealthcare, BCBS and Aetna.

Want us to take a look?

Texas small business owners: family health coverage now averages $26,993 a year.Our President and CEO Richard Monello br...
07/30/2026

Texas small business owners: family health coverage now averages $26,993 a year.

Our President and CEO Richard Monello broke down what is driving it in a piece on Yahoo Finance this week, along with the one thing that changes how a renewal turns out.

It is not the carrier. It is not the size of your team. It is whether anyone actually compared the market before signing.

Most small employers look at a single quote a year. That habit shows up in the renewal letter, and it adds up fast.

The good news is that comparing options rarely means giving your employees a worse plan. Programs like ICHRA, QSEHRA, and level-funded plans open up room that a lot of owners do not know they have.

Renewal coming up? We will compare your current plan against several carriers at no cost. Call (469) 361-4032.

Read it here: https://finance.yahoo.com/healthcare/articles/texas-small-employers-head-2027-122500355.html

An HSA is simpler than it sounds (and it is not "use it or lose it").Here is the plain-English version. An HSA is a savi...
07/30/2026

An HSA is simpler than it sounds (and it is not "use it or lose it").

Here is the plain-English version. An HSA is a savings account built just for health costs. You put money in tax-free, it grows tax-free, and you spend it tax-free on care. That is three tax breaks in one account, something no 401(k) or Roth can match.

The money is yours to keep. It rolls over every year, follows you from job to job, and can even grow like an investment over time.

The one catch: you need an HSA-qualified high deductible health plan to open one, and not every high-deductible plan counts. In 2026 you can save up to $4,400 for one person or $8,750 for a family.

Not sure if your plan qualifies? Our Texas team is happy to walk you through it. Want to compare?

https://www.customhealthplans.com/blog/how-does-an-hsa-work/

Looking for BCBS short-term health insurance in Texas?Here’s what most people don’t realize: Blue Cross Blue Shield of T...
05/18/2026

Looking for BCBS short-term health insurance in Texas?

Here’s what most people don’t realize:

Blue Cross Blue Shield of Texas doesn’t usually sell standalone short-term plans. Their focus is on ACA, group, and Medicare coverage.

But you do have real short-term options in Texas (now up to 3 years). Here’s a broker breakdown of both paths:

Ever spent hours on hold with insurance companies just trying to get a straight answer?A licensed broker does all of tha...
04/13/2026

Ever spent hours on hold with insurance companies just trying to get a straight answer?

A licensed broker does all of that for free.

They compare plans from BCBS Texas, Cigna, Aetna, UHC, and Humana side by side in one conversation.

Your premium doesn't change. Brokers are paid by the carrier, not you.

For Texas businesses with 2–50 employees, that's a lot of time and guesswork saved.

Costs are climbing fast.

A free comparison is worth 30 minutes.

Have you ever worked with a broker? What was your experience?

You Googled "small business health insurance cost."Every answer said "it depends."Here's the real number: $350–$850/empl...
04/06/2026

You Googled "small business health insurance cost."

Every answer said "it depends."

Here's the real number: $350–$850/employee/month in Texas.

Depends on your team's ages, zip code, plan type, and carrier.

The part that surprises most owners?

You don't have to pick a traditional group plan.

HRAs let employees choose their own coverage with a tax-free allowance. Level-funded plans reward healthy teams. The SHOP marketplace unlocks a tax credit up to 50%.

Premiums jumped 6% last year. Compare now, not at renewal.

What's worked (or not worked) for your team?

Address

4601 Old Shepard Place #104
Plano, TX
75093

Opening Hours

Monday 8am - 6pm
Tuesday 8am - 6pm
Wednesday 8am - 6pm
Thursday 8am - 6pm
Friday 8am - 6pm
Saturday 10am - 2pm

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