About Insurance4Dallas

Trying to shop for quality health insurance in Texas can be overwhelming, especially when you need coverage for your family or business and are worried about making an expensive mistake. That’s where Insurance4Dallas can help. We are a HUB, SBE, and NMSDC certified brokerage specializing in concierge services that save individuals and companies on their health insurance costs. Rather than place you in cookie-cutter products, we design plans around a client’s budget and needs while eliminating deductibles on existing policies. In addition, we offer plans with little or no deductibles.  

While that sounds too good to be true, it isn’t. The Thornton Insurance Agency, LLC which uses Insurance4Dallas.com (I4D) as its URL, has served clients for two decades and has quickly become an online resource for health insurance that meets the needs of individuals, families, and businesses. 

In addition, Insurance4Dallas provides Dental, Vision, and Life insurance products. We have many options for you to choose from. 

Simply put, Insurance4Dallas eliminates the hassle of choosing insurance products by providing data in an objective, easy-to-read format — enabling the research, analysis, comparison, and purchase of health and life insurance products that best meet consumers’ needs.

John (Rick) Thornton founded the Thornton Insurance Agency, LLC dba Insurance4Dallas. Rick has a degree in Mechanical Engineering and an MBA in business strategy from Carnegie Mellon University. He got into the insurance business after being diagnosed with cancer and having few health insurance options to retreat to.

Rick has been selling insurance since 1986, and what sets him apart from other insurance gurus is his insistence on customer satisfaction and ensuring no one else should go through the issues he experienced. He is a student of the insurance world and is constantly looking for ways to educate his clients. As an example, did you know the argument over how to fund the insurance exchanges and how to regulate insurance prices does not address the problem of healthcare costs? The excessive costs of medical insurance in the U.S. are a symptom of out-of-control and obscure pricing by healthcare providers such as hospitals, clinics, pharmaceutical companies, and other medical institutions. While the Affordable Care Act covers qualified individuals by using subsidies to reduce costs, the focus on reducing costs should be tied to the policies and pricing of healthcare providers. What is needed is price transparency. Without that, government subsidies will make it challenging to have affordability and quality healthcare. Insurance4Dallas solution resides in teaching policyholders and businesses how to recognize and manage healthcare costs.

This is done by addressing three common issues that are problems to the healthcare system:

1. Premium cost
2. Policy deductibles
3. PPO vs. HMO networks

Insurance4Dallas teaches clients how to manage inflated costs, reduce deductibles, and use networks to their advantage. This is done using unique strategies to get policy costs to affordable prices and policy deductibles to manageable sizes.

Insurance4Dallas provides consumers with detailed information and the ability to apply 100% online for a full spectrum of health, life, and dental insurance plans. For businesses with 2-49 employees, I4D offers three types of plans. Each plan is unique in design and provides the policyholder with different benefits based on price. These three types of plans are:

1. Fully Funded Group Plans
2. Level Funded Group Plans
3. High-End Indemnity List Bill Plans

When using these plan designs, depending on the client, I4D can reduce costs by 30-50% using unique cost-cutting strategies that can eliminate a deductible while at the same time reducing premium costs.

Insurance4Dallas insures all of Texas, Oklahoma, Arkansas, Arizona, Louisiana, New Mexico, Alabama, Virginia, Florida and 22 other states.