The Woodlands is a master-planned community north of Houston, mostly in Montgomery County. Its villages are home to families, professionals, and a growing number of residents nearing retirement.
That mix means our team hears two big questions here. How do I get coverage on my own before 65? And what happens when Medicare starts?
Guardian Insurance Services helps with both. A licensed agent walks you through Marketplace and Medicare options in plain English.
Marketplace plans in Montgomery County
Consultants, business owners, and early retirees often buy coverage through HealthCare.gov. Our team helps you:
- Compare plan types and their out-of-pocket costs
- Check your doctors and prescriptions before you choose
- Estimate your premium tax credit (income affects savings, not eligibility)
- Review your plan at each renewal
Marketplace open enrollment runs November 1 through January 15.
Medicare and group coverage
Getting close to 65? Your Initial Enrollment Period is 7 months long: the 3 months before your birthday month, your birthday month, and the 3 months after. Our team helps you compare Medicare Advantage, Medigap, and Part D.
For 2026, the standard Part B premium is $202.90 a month, and the Part D out-of-pocket cap is $2,100. For 2027, the Part D out-of-pocket cap rises to $2,400.
We also help with group health.
Medicare review: https://medicare.healthsherpa.com/intake/evin-van-doesburg
Medicare disclaimer: We do not offer every plan available in your area. Currently we represent 9 organizations which offer 326 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. Not connected with or endorsed by the U.S. government or the federal Medicare program.
The Woodlands health insurance FAQ
Q: I’m 63 and retiring. Should I use the Marketplace until Medicare?
A: Many people do. Losing job-based coverage usually opens a Special Enrollment Period. Once you’re eligible for Medicare, Marketplace premium help generally ends, so plan the switch ahead.
Q: When can I change my Medicare plan?
A: During Medicare Annual Enrollment, October 15 to December 7. That’s different from Marketplace open enrollment.
Q: Do Medigap plans with the same letter cover the same things?
A: Yes. Plans with the same letter have the same standardized benefits. Plans with different letters differ.
Spanish-speaking clients are welcome to message us on WhatsApp or by email.
Talk with our team
Call: 1-888-885-6201 · WhatsApp: +1 832-292-8983 (WhatsApp only) · Email: guardianinsurancesrvs@gmail.com