About Windcrest

Windcrest Insurance LLC is a licensed independent insurance agency based in Austin, Texas. We specialize in health coverage for Texans who are retiring before 65, self-employed, or navigating a coverage gap.

Independent means we're appointed with multiple carriers — BCBS Texas, Ambetter, and others — and we're not tied to any single one. We recommend what fits your situation, not what benefits us most.

Meet Nirav Bhagat, founder

I started Windcrest because I believe buying health insurance shouldn't feel like a trap.

I spent over a decade in financial services before co-founding Profound Commerce, an e-commerce holding company. During that time I worked at Progressive Insurance and consulted with some of the world's largest commercial insurers. I watched the insurance industry's relationship with digital marketing get progressively worse for consumers — more data selling, more bait-and-switch, more calls from numbers you don't recognize.

Windcrest is my attempt to build something different: a tech-enabled independent agency that finds the right coverage for real people, without the noise.

I'm licensed in Texas and personally handle client consultations.

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Nirav Bhagat

I'm so glad you're here!

Licenses and credentials

  • Windcrest Insurance LLC — Texas General Lines Agency License #3191298 (Life, Accident, Health and HMO)
  • Licensed producer: Nirav Bhagat, TX Individual License (Life, Accident & Health)
  • E&O Insurance: Continental Casualty Company (CNA), $1M per claim / $3M aggregate
  • FFM Certified (federally facilitated marketplace, current plan year)

Our commitment to your privacy

We don't sell leads. We don't participate in lead networks. When you share your information with Windcrest, it goes to your agent — and that's it.

Read our full Privacy Policy →

Ready to look at your options?

See your health plan options →