Given Joe's 45 years of experience as a self-employed health insurance broker, his expertise is likely highly valued. In the insurance industry, experienced brokers can command higher rates. However, without specific industry benchmarks for health insurance brokers in Houston, Texas, it's challenging to estimate a precise hourly rate. Let's consider that experienced insurance professionals in the US can earn between $75 and $200 per hour, depending on the role and location. As a broker with 45 years of experience, Joe's rate might be at the higher end of this range, potentially around $150 per hour, considering his extensive experience and local presence.