One thing to keep in mind about individual insurance policies in Texas -- none of them have maternity benefits. None of them. I found this out the hard way when I was told that not only would my current policy not cover any pregnancy-related expenses, but I couldn't even buy a policy with any insurance company that would. The State of Texas does not require insurance companies to offer maternity coverage for individual policies, so none of them do. They only have to offer maternity benefits for people with group policies. Unless you are absolutely positive you are done having children, you'll want to avoid buying an individual insurance policy -- either by getting in on a group policy if you can, or, if you qualify, going the Medicare route. Good luck!