ACA✦HMO✦PPO✦Private Plans✦Medicare✦Hospital Cash✦Accident✦Critical Illness✦Dental & Vision✦Telehealth✦ ACA✦HMO✦PPO✦Private Plans✦Medicare✦Hospital Cash✦Accident✦Critical Illness✦Dental & Vision✦Telehealth✦

Independent & on your side — not the carrier's

Don't gamble on health insurance. Build a plan that has your back.

I'm Harrison Curry — an independent broker. I don't push one carrier's product; I layer coverage around your life so one bad day doesn't turn into a financial disaster. ACA, private, or Medicare — built around you.

Build my plan →

Licensed & independent Radical transparency No-cost consultation ACA · Private · Medicare

Harrison Curry

Your insurance advisor

"I'll always tell you exactly what's covered, what isn't, and why. No pressure, no jargon — just the plan that fits."

📞 Call (832) 270-9921 💬 Text me a question ✉️ hcurryinsurance@gmail.com

How I work · Layered protection

One plan rarely covers everything. So I stack them.

A single deductible can still leave you thousands short. I build coverage in layers — a strong foundation, then targeted pieces that catch what it misses.

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Your medical plan — the foundation

ACA, private, or Medicare. The spine everything sits on.

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Hospital cash

Pays you direct if you're admitted — covers the deductible.

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Accident coverage

Cash for ER trips, breaks, stitches, urgent care.

❤️‍🩹

Critical illness

A lump sum if cancer, heart attack, or stroke hits.

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Telehealth

Talk to a doctor 24/7 without leaving the couch.

You don't need all of it. You need the right of it.

We start with what you can't go without, then add only the layers that match your real risk — your job, your family, your budget. No upsells you'll never use.

⚠️ Supplements aren't major medical — they fill the gaps, they don't replace it. I'll always tell you which is which.

Step 1 · Find care

Find a therapist, doctor, hospital, or ER near you

Pick what you need and enter your city or ZIP. We'll pull up real options nearby — then I match coverage to the providers you actually want.

💡 Therapists: you can also filter by insurance on Psychology Today — open the directory. Finding a provider doesn't confirm they're in-network — send me their name and I'll verify it against your plan.

📍 Open the full map in Google Maps ↗

Step 2 · Know your options

ACA vs HMO vs PPO vs private — in plain English

Every plan type protects you differently. Here's the honest version, so you walk in knowing the trade-offs instead of guessing.

Marketplace / Obamacare

ACA Plans

Guaranteed issue — you can't be turned down for health history
Pre-existing conditions are covered
Income-based subsidies may lower your monthly cost
Covers essentials: maternity, mental health, prescriptions

Best forHealth conditions, families, anyone who qualifies for a subsidy or wants the most comprehensive safety net.

Network structure

HMO

Lower premiums in exchange for a tighter network
You pick a primary care doctor (PCP)
Specialists usually need a referral
Out-of-network care generally isn't covered

Best forBudget-focused, mostly local care, and your doctors are already in the network.

Network structure

PPO

See specialists without a referral
Larger, often nationwide networks
Some out-of-network coverage
Higher premium for that flexibility

Best forPeople who travel, want provider freedom, or need nationwide access.

Underwritten & supplemental

Private Plans

Can cost less if you're healthy (medically underwritten)
Often layered with accident, hospital & critical-illness coverage
You can be declined or rated for health conditions
Some are supplemental — not ACA major medical, and won't cover an existing pregnancy

Best forHealthy, self-employed, or no subsidy — I'll always label which pieces are major medical and which are supplements.

Step 3 · Turning 65?

Medicare, without the mailbox overwhelm

If you're approaching 65 or on disability, the alphabet soup is real. Here's how the parts fit — then I help you compare your actual options.

Hospital

Inpatient stays, skilled nursing, hospice.

Medical

Doctor visits, outpatient care, preventive services.

Advantage

Bundles A + B (often D) through a private plan, usually with a network.

Drugs

Prescription coverage — added on or built into an Advantage plan.

Advantage or Supplement (Medigap)? One trades a network for lower upfront cost; the other costs more monthly but gives you freedom and predictable bills. I'll lay both side by side for your doctors and budget.

Compare my Medicare options →

Step 4 · Let's build it

Get a plan built around you

Tell me a little about you and I'll come back with a clear, transparent game plan — no pressure, no obligation.

You share the basicsTakes about a minute.

I do the homeworkI compare ACA, private & Medicare options for your situation.

You decideI explain every gap and cost. You pick what fits.

First name

Last name

Phone

ZIP code

Coverage type

Prefer to talk now? Call (832) 270-9921 or text me.

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You're all set!

Thanks — I've got your info and I'll reach out shortly with your options. Want answers faster?

Call now Text me