Alicia SerratoFinding the best health insurance in San Antonio can feel harder than it should, especially when every quote starts looking the same.
Freelancers, families, small business owners, and retirees all need something a little different, and the wrong plan can get expensive fast.
What helps most is having a local broker who can explain the tradeoffs clearly and narrow the choices to coverage that actually fits your budget.
How much does health insurance cost in San Antonio?
Health insurance premiums in the area can vary a lot depending on the type of plan you need and whether you qualify for Affordable Care Act (ACA) subsidies.
| Plan Type | Average Monthly Cost |
| Individual (No Subsidies) | $400 – $600 |
| Individual (With ACA Subsidies) | $0 – $50 |
| Family (No Subsidies) | $1,000 – $1,500 |
| Medicare Advantage | Frequently $0 premiums |
| Medicare Supplement (Medigap) | $100 – $250 |
| Broker Consultation | $0 (Free) |
1. San Antonio Health Insurance Experts
Website: https://sanantoniohealthinsuranceexperts.com/
Address: 1270 N Loop 1604 E Ste 1213
Contact: (210) 699-7626 | [email protected]
Hours: Monday-Sunday, 24 hours
Switching jobs can leave people stuck with expensive temporary coverage. San Antonio Health Insurance Experts stands out for helping clients compare Consolidated Omnibus Budget Reconciliation Act alternatives with private plans that may cost less.
I like that the agency keeps the conversation local and practical.
When I spoke with a colleague who used them, the biggest plus was how clearly the agent explained the Texas market and narrowed the options down to plans that matched a real monthly budget.
Their around-the-clock availability is also helpful when questions pop up outside normal office hours.
The tradeoff is that late-night calls can route you to an after-hours call center instead of the same local agent, which may feel less personal if you want detailed guidance right away.
Customer Reviews
Pleasure To Work With
Shout out to Miguel! From day 1 he guided me through my journey to find health insurance for me and my family in Shavano Park. He was a pleasure to work with, always communicated with me during the process and explained everything in detail. Most importantly, made sure I found the most affordable plan that meets the needs for my family. So grateful I found him! He is not like your normal insurance agent I promise you! Thank You Miguel!
- Maria Santana | Google Review
Most Attentive Manner
I had a great experience that put all my health insurance worries at ease; Miguel attended to my health insurance needs in the most attentive manner and took the time to explain my options. I highly recommend calling if you have any questions or concerns about health insurance. San Antonio Health Insurance Experts get the job done right!
- Castiel Sarabia | Google Review
2. Texas Medicare Solutions
Website: https://txmedsolutions.com/
Address: 333 Bandera Rd
Contact: (210) 908-6565 Office | (210) 878-4019 Fax | [email protected]
Hours: Monday-Thursday, 8:00 AM-5:00 PM; Friday, 8:00 AM-4:00 PM
Texas Medicare Solutions makes the most sense for seniors who want side-by-side comparisons without paying a broker fee.
As an independent brokerage, it lets clients look across multiple Medicare Advantage and Supplement plans instead of steering them toward just one carrier.
I also appreciate how accessible they feel in person.
The agency has three local offices, which is helpful if you want to sit down with someone face to face while sorting out enrollment or coordinating related support like elder care in San Antonio for an aging parent.
The main drawback is the narrow focus. Because the agency leans so heavily into Medicare products, it’s not the best fit for younger families who want standard under-65 coverage through a more general local office.
Customer Reviews
Highly Professional
Natalie Gamez with Texas Medicare Solutions has been wonderful helping us navigate our health insurance choices, which were made even more complex due to some unusual circumstances. Natalie is highly professional and always got back to us in a timely manner and answered numerous questions with patience and kindness. You can’t go wrong with Natalie. Customer service like this is becoming less and less common, so it is truly appreciated.
- Texas Logan | Google Review
Very Patient and Friendly
With COVID-19 cases on the rise Natalie can still help over the phone. Natalie was great she helped me so much, answered all my questions I had, and was very patient and friendly. If you are looking for help with Medicare Health Insurance don’t hesitate to call Natalie Gamez!
- Juan Gutierrez | Google Review
3. Affordable Health Insurance Agency, LLC
Website: http://www.ahiabenefits.com/
Address: 4614 E Southcross Ste 106
Contact: +1 210-538-7333
Hours: Monday-Friday, 9:00 AM-6:00 PM
Affordable Health Insurance Agency, LLC is a strong pick for people who need help making sense of subsidies and tighter monthly budgets.
Their focus on ACA marketplace plans makes them especially useful for shoppers who need clear guidance instead of a rushed sales pitch. When I picture someone walking in here, I think of a client who needs patience as much as pricing help.
The agency comes across as responsive, and the original feedback highlights agents who follow up consistently and keep clients updated until everything is sorted out.
The downside is convenience. The office is closed on weekends, so anyone who works standard weekday hours may need to carve out time for an in-person visit instead of handling everything on a more flexible schedule.
Customer Reviews
Consistent Agent
My experience with this health insurance has been amazing and it’s all thanks to my agent Maribel Ybanez. She has been a consistent agent who has yet to disappoint me. When I text and ask questions, she’s making sure she responds in a timely matter. She’s calling on my behalf to ensure I have all the information I need. If you’re looking for an agent, she’s definitely the one for you. Thank you again Ms. Ybanez!
- VibeWith TyeBaby | Google Review
Truly Grateful
Service has always been excellent I trust the work that Maribel Ybanez has done for me to get health coverage and I am truly grateful she is definitely a credit to the people who employ her as in my opinion she sincerely cares about the people she helps
- Robert Ramirez | Google Review
4. Portfolio Health and Life Insurance
Website: https://portfolioins.com/
Address: 4606 Centerview Dr. Suite 160
Contact: (210) 602-1339 | [email protected]
Hours: No schedule information available
Portfolio Health and Life Insurance feels like a better fit for people who want a more educational, sit-down approach before making a decision.
Led by Principal Agent Louie Garza, the firm offers zero-cost consultations and works across a broad mix of products instead of stopping at basic medical coverage.
They also help clients review related options like dental and final expense plans, and I found the yearly benefit reviews especially helpful.
That kind of follow-up matters when you’re trying to keep favorite pharmacies in San Antonio in-network instead of rechecking everything from scratch every year.
The tradeoff is that a personalized setup like this can take longer to access. During busy Medicare enrollment periods, you may need to schedule well ahead if you want an in-person meeting with plenty of one-on-one time.
Customer Reviews
Easy Understanding
I was new to the Medicare enrollment. Despite my attempts to learn about it, I was overwhelmed and nervous about making a decision on my own. I met with Louie Garza at an enrollment dinner for new comers. I was given an easy understanding of Medicare basics and my eligibility. Afterwards, he gave me time to review options to consider. He took care of everything for me. It was a smooth transition. Best decision I ever made by having him as my agent.
- Francisco Moran | Google Review
Very Professional
Mr. Louie Garza is truly an asset to his company. I found him to be very professional, knowledgeable and caring in handling my health insurance needs as well as my husband’s. I would highly recommend him above a 5 star rating. Thank you Mr. Garza!
- Birdie Archer | Google Review
5. HealthMarkets Insurance – Brian Babcock
Website: https://www.healthmarkets.com/
Address: Areas Served (San Antonio)
Contact: (210) 538-7333 | (408) 672-9234 | [email protected]
Hours: Monday-Friday, 9:00 AM-6:00 PM; Saturday, 9:00 AM-3:00 PM
HealthMarkets Insurance – Brian Babcock stands out for clients with more specific coverage needs that don’t fit neatly into one standard policy box.
The agency highlights options ranging from short-term medical plans to long-term care, which can be useful for small business owners and families comparing several types of protection at once.
I was also glad to see the bilingual support in English and Spanish, because that makes the process easier for more households in San Antonio.
On top of that, Brian’s community involvement gives the service a more local feel instead of a distant, call-center vibe.
The main downside is that this is still a highly personalized individual-agent model. When he’s out meeting clients or handling community events, physical office availability can feel limited if you prefer to catch someone at a desk without much notice.
Customer Reviews
Helpful and Easy To Work With
Brian was so helpful and easy to work with, he was prompt in his responses, and he was thorough – he really took into consideration my scenario and my needs and found me affordable health insurance within my budget.
- Ken & Laura Dwyer | Google Review
Thoroughly and Set Expectations
Brian did an amazing job helping my family find affordable health insurance on short notice. He explained everything thoroughly and set expectations of next steps. Within 3 days we were able to secure coverage to protect our family.
- Michael Padron | Google Review
