Most Texas healthcare operators don't know where their coverage breaks—until a six-figure claim exposes it. We identify the gaps before they cost you.
Young's Insurance Agency is a family-owned independent insurance firm serving Texas healthcare and human services operators since 1980. We work with 11 healthcare businesses across the state—from Home Health agencies in Houston to NEMT fleets in Dallas to Assisted Living facilities in San Antonio.
Most operators come to us when something shifts: an aide has an accident, a new Medicaid contract lands, census grows faster than coverage kept up, or they need to know what a bad claim would actually cost before it happens. We've spent 46 years finding the same coverage gaps in Texas healthcare programs—gaps most operators don't know exist until a claim exposes them.
We're based in Bellaire, inside the West Loop. As a second-generation family business, our practice is exclusively dedicated to the people who care for our communities. We focus entirely on the complex risk and regulatory landscape of Texas healthcare and NEMT operators.
Grouped by where care actually happens—because that's how you already think about your operation.
Care delivered · in people's homes
Your people drive to patients. Your exposures live in their cars, their schedules, and the homes they visit.
Care delivered · in your building
You run a building where residents or participants spend their days. Your exposures live in the walls, the staff, the people you care for.
Transporting · patients
You run vehicles that move Medicaid patients to dialysis, doctors, and hospital discharges. Your exposures live in every loading zone, every broker contract, every mile.
Uncertain Claim Responses: An aide has an accident on the clock, and no one is sure how the policy will respond.
Contract Compliance: A new Medicaid or broker contract lands and outpaces current coverage limits.
Outgrown Policies: Census and staffing are growing, but insurance hasn’t been updated in three years.
Financial Clarity: They need to know what a worst-case claim would actually cost—before it happens.
Hidden Exclusions: No one has walked them through what their current policy explicitly excludes.
Specialist Demand: They want a healthcare specialist instead of a generic account manager.
You might not need to. The audit isn't a pitch to replace your current relationship — it's a diagnostic to find out whether your current program actually matches how your operation runs today. If it does, we'll tell you to stay. If it doesn't, you'll at least know where the gaps are before a claim tells you.
Renewal is actually the worst time to evaluate coverage — there's no room to negotiate and you're under time pressure. The best time to do this work is 90–120 days before your next renewal, when you have options. If you just renewed, that means now is exactly the right window to start.
Most of our clients are between $500K and $5M in annual revenue. Smaller operators often carry the most exposure relative to their size — a single uncovered claim can be existential at that scale. The audit is designed for exactly that profile.
Nothing. The 30-minute call is free. The one-page gap summary is free. You keep it regardless of what you decide to do next. We make money when we place coverage — and only when it's the right fit.
Before we ever talk about price, we do the work to actually understand your business.
How your operation actually runs—your staff, your vans, your contracts, your building. We listen first. No forms.
Line by line. We look for the gaps between how you operate and what your policy actually covers. Hidden exclusions. Low caps. Fine print nobody explained.
Inside a week. Every hidden gap ranked by what it would actually cost you. Plain English. You decide what to act on. Keep it either way.
30-minute call. No quote forms. Walk us through your operation. We’ll tell you exactly where your current policy breaks—and what a claim would actually cost.