Health insurance for individuals and families
Most people in Texas who buy their own coverage use a Marketplace plan under the Affordable Care Act. We help you choose one, apply for any premium tax credit you qualify for, and enroll.
What every Marketplace plan covers
Every Marketplace plan covers the essential health benefits, including doctor visits, emergency care, hospital stays, prescription drugs, maternity and newborn care, and mental health care. Insurance companies can't turn you down or charge you more because of a pre-existing condition.
Metal levels in plain terms
| Level | Monthly premium | Costs when you get care | Often a fit for |
|---|---|---|---|
| Bronze | Lowest | Highest | Healthy people who mainly want protection from a large bill |
| Silver | Middle | Middle, lower with cost-sharing reductions | Households whose income qualifies for extra savings on deductibles and copays |
| Gold | Higher | Lower | People who see doctors often or take regular prescriptions |
Platinum plans are not offered in every county. Cost-sharing reductions apply only to Silver plans.
Premium tax credits
Depending on your household income and size, you may qualify for a tax credit that lowers your monthly premium. The credit is reconciled on your federal tax return, so we ask for a realistic estimate of this year's income. If your income changes during the year, tell us and we update the application to avoid a surprise at tax time.
When you can enroll
Open Enrollment runs once a year, in late fall and early winter. Outside that window you need a qualifying life event, such as losing other coverage, moving, getting married or having a baby. These events open a Special Enrollment Period, usually 60 days long. Call us for this year's dates.
What to have ready
- ZIP code and county
- Date of birth for everyone applying
- An estimate of this year's household income
- The doctors, hospitals and prescriptions you want covered
- Social Security numbers, or immigration documents for applicants who have them
Ready to compare plans?
Send us a few details about the people you want to cover. It takes about two minutes, and we call you back to walk through the options.