Health Insurance

Coverage That Protects Your Health — And Your Finances

Health insurance isn’t just about doctor visits. It’s about protecting yourself from unexpected medical bills that can quickly become overwhelming.

Whether you're self-employed, between jobs, aging off a parent’s plan, or simply reviewing options, we help individuals and families in Ardmore, Durant, Ada, and throughout Southern Oklahoma find coverage that fits their needs and budget.

Clear guidance. Real options. No confusion.

What We Help With

We assist with:

Individual & Family Health Plans
Marketplace (ACA) Plans
Private Health Insurance Options
Short-Term Coverage
Supplemental Plans (when appropriate)
Every situation is different. We walk you through your options and explain them in plain language.

Why Health Insurance Matters

Even routine medical care can be expensive without coverage. A single emergency room visit or hospital stay can create long-term financial strain.

The right plan helps protect you from:

High out-of-pocket costs
Major medical bills
Unexpected hospital expenses
Ongoing prescription costs
It’s not just healthcare coverage — it’s financial protection.

Our Approach

Health insurance can feel complicated.

Deductibles. Copays. Networks. Metal tiers. Subsidies.

We simplify it.

We review your situation.
We compare available plans.
We explain the differences clearly.
We help you choose confidently.
No pressure. No guessing.

Who Should Review Their Health Coverage?

You may want to explore your options if:

You recently lost employer coverage
You’re self-employed
Your premiums increased significantly
You’re unsure what your current plan actually covers
You qualify for marketplace subsidies
Sometimes the right move is switching plans.
Sometimes it’s keeping what you have.
The key is knowing your options.

frequently asked questions

Do I qualify for marketplace subsidies?

Many individuals and families may qualify based on household income. We can help you determine eligibility.

Is private insurance better than marketplace plans?

It depends on your health needs, income, and provider preferences. We review both when appropriate.

Can I enroll anytime?

Open enrollment typically runs annually, but certain life events may qualify you for special enrollment periods.

Are pre-existing conditions covered?

Under ACA-compliant plans, pre-existing conditions cannot be denied coverage.

We have access to non-ACA plans to help with this.

Ready to protect what matters most?

It only takes a few minutes to find out what coverage is right for you.

Contact Us

The Tubbs Agency is a trusted insurance agency based in Ardmore, Oklahoma, proudly serving clients in Ardmore, Durant, Ada, Madill, Sulphur, Davis, Lone Grove, Tishomingo, Kingston, Marietta, Texoma, and surrounding Southern Oklahoma communities.

Ardmore, OK

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