Health Insurance Starts With Understanding What You Need Covered.
Your household, income, doctors, prescriptions, and budget can all affect which options may be available to you.We can help you understand what to review before choosing coverage.
What’s Changing in Your Situation?
I Need Coverage
I want to understand what options may be available for me or my family.
I Lost My Insurance
Losing certain coverage may qualify you for a Special Enrollment Period.
My Family Changed
Marriage, birth, adoption, or other household changes may affect your options.
My Income Changed
Household income and family size can affect financial assistance available through the Marketplace.
I’m Self-Employed
If you don’t have employer-sponsored coverage, the Marketplace may be one option worth reviewing.
Before Choosing a Plan, Look Beyond the Premium.
Monthly Premium
What you pay each month to keep your coverage.
Deductible
What you may need to pay before certain covered services begin to be paid under the plan’s rules.
Copays and Coinsurance
What you may pay when you use covered services.
Doctor and Hospital Network
Confirm whether your providers participate in the plan’s network.
Prescriptions
Check whether your medications are covered and what they may cost.
Out-of-Pocket Maximum
Review how much you could pay during the year for covered in-network services under the plan’s rules.
Financial Assistance Depends on Your Situation.
Some people may qualify for premium tax credits that lower the cost of a Marketplace plan.
Eligibility and the amount can depend on factors such as household income, family size, and other circumstances.
We don’t assume eligibility or a specific amount until the relevant information is reviewed.
Pre-Existing Conditions Don’t Prevent You From Getting a Marketplace Plan.
Marketplace plans must cover pre-existing conditions and can’t reject you or charge you more based only on your health.
You Don’t Have to Review Everything on Your Own.
We can help you sort through the information and understand which options may make sense for your situation.
Or message us on WhatsAppMarketplace health plans are offered through the Health Insurance Marketplace at HealthCare.gov. Eligibility for subsidies (Advance Premium Tax Credits (APTC)) and cost-sharing reductions depends on household income, family size and other factors. Plan availability, premiums and networks vary by ZIP code and carrier. If you receive Advance Premium Tax Credits, they are generally reconciled when you file your federal tax return. Changes in household income or household composition should be reported to the Marketplace because they may affect your eligibility or financial assistance. We are licensed insurance agents in Texas; we are not the Marketplace and are not affiliated with any government agency. This information is for educational purposes only and does not constitute an offer of coverage.