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Texas Department of Insurance
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December 1, 2022

It’s health insurance shopping season—but watch for red flags


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Across America, it’s sign-up season for health insurance—a chance to shop for coverage that fits your health and budget needs.

You have until Jan. 15 to browse insurance options on Read more in our Tips to buying a health plan—and getting what you want .

Warning: You should also watch for signs that something might not be right.

Some red flags:

  • You get a call from someone you didn’t contact first. You should be in control of when you shop, what you’re shopping for, and who you ask for help.
  • If an agent can’t answer basic questions—such as a plan’s copays, deductible or premium amounts, or give you specific plan information in writing—that’s a red flag; and it might be a scam.
  • If you feel pressured to commit to a plan right away, just say no. No legitimate plan changes its price or other terms during enrollment season.
  • If you see coverage that costs far less than other plans, hold off. There may be catches that cost you, like fewer benefits. If a deal sounds too good to be true, it probably isn’t true.

Listen to more on red flags and questions to ask while shopping in our Texas Insurance Podcast.

View podcast Q&A: Can you shop around for health insurance?

Learn more

Use these tips to shop smart for health coverage.