Health insurance for Texans retiring before Medicare.

You've worked hard enough to retire early. But if you're leaving your job before 65, you're facing a coverage gap that most people don't plan for — and the options can feel overwhelming.

Windcrest is an independent Texas insurance agency. We help people between 55 and 64 find real ACA health coverage, understand their options, and get enrolled — without selling your data to a roomful of strangers.

See your plan options → Learn more

Quick coverage check

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No spam. Your information stays with us.

Independent advice

We're not tied to one carrier. We compare plans from BCBS Texas, Ambetter, and others to find what actually fits your situation.

Your data stays yours

We don't sell leads. When you share your information with Windcrest, it goes to your agent — not to a list of strangers who'll call you for months.

Licensed in Texas

Windcrest Insurance LLC is a licensed Texas insurance agency. We know the Texas market, the carriers that operate here, and the plans available in your county.

Who we help

Windcrest specializes in health coverage for Texans who are:

  • ✓ Retiring before age 65 and losing employer coverage
  • ✓ Self-employed or freelancing without a group plan
  • ✓ Between jobs and need coverage that won't break the bank
  • ✓ Already on a plan and wondering if there's something better

See your options →

Meet Nirav

I started Windcrest because helping folks find insurance to fit their needs is a great way that I can help folks lead fuller lives.

I co-founded an early e-commerce brand holding company, Profound Commerce, and led its growth. I saw what incredible things you could do when you gather a team of high performers and work on an intractable problem.

Insurance isn't new to me. Prior to Profound Commerce I spent 10+ years working within financial services, including time at Progressive Insurance and as a consultant to the world's largest commercial insurers.

When they do it right, the right insurance advisor can meaningfully improve a person's life or a business's performance. Seriously. In an age of AI search, TCPA, the death of the cookie, and the obsolescence of insurance lead generators, I believe that a tech-enabled insurance agency is more relevant than ever. Reach out to me and let's chat.

Find me on LinkedIn
Nirav Bhagat

I'm so glad you're here!

Get in touch

Ready to explore your health insurance options? Let's start the conversation.

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We typically respond within one business day. Your information stays with us — we don't sell leads.