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The texas individual health insurance market is flush with top health insurance companies like Blue Cross Blue Shield of texas, UniCare of texas, United Healthcare of texas, Aetna of texas, Humana of texas, PacifiCare of texas and many more. The choices may seem overwhelming but do your research and take advantage of the tools that are available to you and your texas individual health insurance search will be a snap!

texas individual health insurance is different from texas group health insurance in that most companies will have questions on the application for individual health concerning your health history going back 10 years. On the individual side most TX companies will scrutinize your health history for pre-existing conditions and will underwrite you based on your health history. This is opposed to the group health approach where the health insurance company will not closely scrutinize your health history but will underwrite your group as a whole. It follows then that individual health insurance in texas is much cheaper than group because of this difference in underwriting.

texas individual health insurance is very affordable for individuals, families, and the self employed. However, keep in mind that the rates are based on your home residence zip code. Thus, some companies are more competitive in certain areas of TX as opposed to others. Always compare quotes from multiple companies side by side to be sure that you are receiving the best value. Compare texas individual health insurance quotes for free at texas Health Insurance 360.

texas individual health insurance companies can vary in reputation quite a bit as well. Be sure to research any health insurance company that you have never heard of and consult an independent agent that can offer you objective advice. For the most part you will want to stick with a well-known and reputable company like United Healthcare of texas, Aetna of texas, Blue Cross and Blue Shield of texas, UniCare of texas, Humana of texas, and PacifiCare of texas.

texas individual health insurance agents can be categorized into two main categories: Independent health insurance Agents and Captive Health insurance Agents. You will want to make sure that you enlist the help of an independent agent/broker rather than a captive agent as texas independent agents can work with multiple companies and shop quotes for you to find you the best value in a policy where a captive agent can only work with one health insurance Company.

Normally the theme for Guerrilla Traveler is adventure travel on a budget, but sometimes the adventure possibilities are so great I will pass on great adventures that are worth the extra cost.

If you are planning to travel to New york City anytime soon, consider seeing the Big Apple from the air. The view is breathtaking and it is simply so much fun you'll find it hard to believe it's legal.

For example, New york Helicopter Charter (www.newyorkhelicopter.com) offers three tour packages to choose from. The Liberty tour allows you to see the Statue of Liberty, Ellis and Governors Island, the South Street Seaport, the Brooklyn and Manhattan Bridges, and the Wall Street Financial Center.

The Central Park tour takes you over the Statue of Liberty and Ellis Island, the Empire State Building, Central Park, and the Intrepid Air, Sea and Space Museum.

And finally, The Grand tour takes you over all of the above sights - plus Yankee Stadium, the United Nations Building, the Queensboro and Brooklyn Bridges, and Battery Park.

New york is an exciting city, so make sure you plan your trip well so you can fit everything you want to see while you are there. And seeing it from the sky is a sight you will never forget.

COPYRIGHT 2005, C.H. Brown, All rights reserved.