Health Insurance Plans in Laredo, TX

The health insurance open enrollment period has begun.  According to the Affordable Care Act (aka, Obamacare) you may purchase health insurance during designated times of the year called open enrollment or during a special enrollment period.  Because we live in a border town, Laredo, TX, many families have members that do have current visas.  But don’t let that discourage you from buying health insurance.  Although you must reside in our country legally to purchase health insurance for yourself, the law does not allow us to ask the immigration status of other family members who are not applying for health insurance.  The immigration status will be asked only of people applying for health insurance and that’s it.


Alfredo Gonzalez, is a licensed health insurance agent in Laredo, TX serving all of Texas.  (956)729-9500

Do I Need to Add All Drivers on My Auto Insurance Policy in Laredo, TX?

Do I need to disclose all the drivers in my auto insurance policy in Laredo, Texas?  My sarcastic answer to that question is, “Do you want to commit insurance fraud?”  Of course, you must disclose all drivers on an auto insurance policy!  Most car insurance policies will have coverage for permissive drivers, which are drivers that have your permission to use your car but DO NOT have regular access to your car such as a household member.  A friend visiting you one evening for a barbeque uses your car to go the grocery store for supplies would be considered a permissive driver and thus would have coverage on MOST, not all, car insurance policies.  On the other hand, a household resident or someone who has regular access to your car must be listed on an auto insurance policy.  Should an accident happen, an insurance claim, especially a large one, could be denied.  Don’t be fooled by the insurance agent that tells you otherwise.  Should you encounter such unscrupulous agent fire him and hire an honest one.  Remember, it is YOUR SIGNATURE that goes on the dotted line!


Fred Gonzalez, is owner/operator of AlphaSure Affordable Insurance in Laredo, TX.  (956)729-9500  AlphaSure Affordable Insurance is an insurance agency licensed to sell and service insurance policies in Texas.