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W.I.N. Association Resource Page

Frequently Asked Questions (FAQs) | Contact TDI | Shopping for Coverage | Helpful Publications | Prevent Insurance Fraud | File an Insurance Complaint

On April 3, 2009, the Travis County District Court entered a Default Order of Liquidation and Permanent Injunction against W.I.N. Association, Healthshare America LLC, Chamberhealth USA, and Healthshare Marketing LLC finding the companies to be insolvent.

Commissioner has been named Liquidator

The Agreed Liquidation Order names Insurance Commissioner Mike Geeslin as the liquidator of the companies. Members of the liquidator’s staff are currently on-site to monitor the companies’ operations and ensure that the liquidator maintains control over the assets and operations.

Permanent Injunction and Automatic Stay

The entry of the Agreed Order of Liquidation and Permanent Injunction triggered an automatic stay under Chapter 443 of the Texas Insurance Code. Pursuant to the automatic stay, certain actions against the companies, such as lawsuits, are prohibited.

Additional Background Information

Wellness International Network (a.k.a. W.I.N. Association, formerly known as Healthshare America and Chamberhealth USA) engaged in the unauthorized business of insurance by soliciting, marketing, selling, administering, executing and issuing health insurance plans to individuals and small businesses without any authority to act as an insurer.

TDI issued an Emergency Cease & Desist Order against the companies for selling unlicensed insurance coverage, collecting premiums and failing to pay medical claims. W.I.N. Association covered approximately 400 people in the United States, including 42 people in the state of Texas, and 57 in the state of Georgia.

In addition to the Texas insurance commissioner and the state of Texas, several other states have also taken action against W.I.N. Association.

Current Status

The companies are insolvent, meaning that they do not have enough assets to pay claims. On the date of the liquidation order, the companies had virtually no assets and hundreds of thousands of dollars in claims and other liabilities. At this time, it is not expected that the estate will be able to make even a partial payment on claims. The liquidator will implement a process by which parties can formally make claims against the companies.

Frequently Asked Questions   

Q1. Can my doctor go after me to pay unpaid medical bills?
A. By law, providers are not prohibited from seeking to collect money from patients covered by the W.I.N. Association Plans. Thus, ultimately the consumers themselves do remain liable for payment.

Q2. Will I be treated fairly even though I do not live in Texas and a Texas Receiver handling the Liquidation of these Companies?
A. Yes. TDI and the liquidator will treat all individuals covered by W.I.N. Association Plans equally, without regard to state of residency.  Texas residents will not be given preference, and all similarly situated claimants will be treated equally as required by Chapter 443 of the Texas Insurance Code (the Insurer Receivership Act).

Q3. Has coverage through W.I.N. Association been terminated?
A. Coverage was terminated on June 3, 2009.

Q4. Where can I go for more information?
A. For more information, contact the TDI Consumer Help Line at 1-800-252-3439.

If you live in Utah, contact Assistant Attorney General M. Gale Lemmon at 801-538-3872.  The Utah Department of Insurance ordered this illegal entity to cease and desist any and all insurance business in the state of Utah on March 7, 2008. 

If you live in Oklahoma, the insurance department ordered this entity to cease and desist from all activities relating to doing insurance business on February 19, 2008. For more information, contact the Oklahoma Department of Insurance at 405-521-2828 and ask for John Mahoney.

Consumers may also contact their state’s department of insurance.

Contact TDI   

For answers to general insurance questions or for information on filing an insurance-related complaint, visit our website or call the Consumer Help Linebetween 8 a.m. and 5 p.m., Central time, Monday-Friday

in Austin

Shopping for Coverage   

  • When shopping for coverage, visit www.TexasHealthOptions.com to learn about your options and to help you locate agents and companies selling insurance in your area.
  • Be sure you understand the full extent of the coverage that is included in any health plan you’re considering. If you have more than one option, choose the plan with the highest level of coverage you can afford. The higher a plan’s deductibles, copays, and coinsurance, the more you can usually save on premiums. However, you’ll also have to pay more out of pocket for claims.
  • Consider factors other than cost. A carrier’s financial rating and history of consumer complaints are other important considerations. Also make sure your carrier is licensed by TDI. You can learn a company’s financial rating from an independent rating organization, its complaints history, and its license status by calling TDI’s Consumer Help Line or by viewing company profiles on our website

    463-6515 in

  • Ask your friends, family, and physician for health plan recommendations. Be sure to ask these questions before buying a health plan:
    • Will the plan allow you to visit your choice of physicians and hospitals?
    • Are there limits on medications, referrals to specialists, or treatments and surgeries?
    • Are there benefit limits per person, family, illness, treatment, and/or hospital stay?
    • What is the procedure for out-of-network emergency care?
    • Does the plan have annual or lifetime maximums?

Helpful Publications   

Prevent Insurance Fraud   

Insurance Fraud Toll-Free Hotline - 1-888-327-8818

Online Fraud Reporting

Secure Transmission, Fast, Comprehensive, Easy Data Entry

Online Fraud Reporting for Insurance Companies
Online Fraud Reporting for Consumers

File an Insurance Complaint   

Read about TDI's consumer complaints process in the Helping You With Your Insurance Complaint publication. You may also e-mail, mail, or fax your complaint along with copies of your supporting documents to

Texas Department of Insurance
Consumer Protection Program (MC 111-1A)
P.O. Box 149091
Austin, TX 78714-9091
Fax: 512-475-1771
E-mail: ConsumerProtection@tdi.texas.gov

For more information contact:

Last updated: 11/18/2013

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Translation by WorldLingo

Translation by WorldLingo