In 1984, Kim Houska launched his career in the insurance industry, when Southern California employers were starting to feel the financial burden of rising healthcare costs. To offset the increasing expenses from traditional indemnity and PPO plans, Health Maintenance Organizations emerged as a viable and economical alternative. As the popularity of HMOs heightened, so did the competition among carriers.
Kim seized an opportunity in this emerging market, and chose to represent one of the leading HMOs in Southern California. This role exposed him to every facet of the industry, including an understanding of the employer's perspective, an invaluable resource to Kim today. As well, Kim mastered the logistics behind medical underwriting and the factors that motivate carriers to produce competitive rates, the essential influencers that lead to successful negotiations.
After 10 years of representing the interests of the insurance companies, Kim concluded that quality representation was the exception, and not the rule. He then decided to offer his services directly to employers, and represent his own brokerage firm. In 2000, Kim founded Houska Insurance Services, Inc. (HIS), a company built on integrity, knowledge and dedication to the utmost customer service.
In less than three years, his firm nearly tripled in size and continues to grow rapidly. HIS represents clients based in California, many with employees located throughout the United States.
It took nearly 30 years of industry experience to get where HIS is today. The solid, team-oriented structure, in which this company was built, is the extension that most companies find they are missing.