We value your trust and will always work hard to keep it. Get a free health insurance quote with major carriers. Compare quotes for individual health insurance. We provide Texans with highly rated insurance plans. Let the experienced insurance agent go to work for you! Begin the process by contacting us.

ACA Individual and Family Health Insurance

Blue Cross Blue Shield of Texas - HMO

Health insurance plans across the state in all counties.

Now there is help to build a reliable plan! 

We will customize a benefit package to meet your needs and budget to help offset the rising cost of healthcare. We assist you to make the best choice for your family from hundreds of health insurance plans we offer. We take the guess work out to offer you a solid plan you can count on.

Off and ON Marketplace Plans

Texas ACA health insurance plans purchased through Healthcare.gov.

When you apply for the PTC, you will be asked:

Is a professional is helping you with your application?  Select YES. 

Next, select Agent.

Please add the following to your healthcare.gov application when applying for the PTC:

On Marketplace Plans

Oscar Insurance - EPO 

Health insurance plans in the following cities/counties:

Austin / Travis, Williamson, and Hays
Dallas–Fort Worth / Collin, Dallas, Denton, Rockwall, Tarrant
El Paso / El Paso
Houston / Fort Bend, Galveston, Harris, Montgomery
San Antonio / Bexar and Comal

QUOTE & APPLY

After selecting the quote button, enter the census information.
Review plans (including details), provider network and premiums.
Select the plan you are interested in for the 2020 calendar year. Proceed through application process. You need to make the first premium payment (binder payment) to activate your policy.

QUOTE & APPLY

After selecting the quote button, enter the census information.
Review plans (including details), provider network and premiums.
Select the plan you are interested in for the 2020 calendar year. Proceed through application process. You need to make the first premium payment (binder payment) to activate your policy.

Agent: Susan Speciale

National Producer Number (NPN): 1635661

Molina Insurance - HMO

Health insurance plans in the following counties:

Cameron, Collin, Dallas, El Paso, Harris, Hidalgo, Jefferson, Starr & Webb

2020 ACA Marketplace health plans

Out-of-Pocket Maximums limits (for in-network/covered benefits)
$8,150 individual plan - $16,300 family plan

These are the plans offered on this website.
Do you need help selecting a plan?We'll help you explore your options.

Only one Licensed Sales Insurance Agent will contact you.
Your information is private and not sold or used for any other purpose than intended on this website.

Affordable Care Act Special Enrollment Period (SEP)
Plans offered here for 2020
Open Enrollment Period is now over. You can enroll in or change a 
plan only if you have a life event that qualifies you for a SEP in 2020.

$12,760 to $51,040 for individuals
$17,240 to $68,960 for a family of 2
$21,720 to $86,880 for a family of 3
$26,200 to $104,800 for a family of 4
$30,680 to $122,720 for a family of 5
6+ run a quote to determine

BCBS
Molina
Oscar

Premium Tax Credit (PTC) eligibility
Is your household income in this chart?
(savings depend on income & tax household size)

These plans are not eligible for the new SEP. General SEP applies only Jan - Dec, 2021.

When you enroll here, you're enrolling in a plan through the Federal Marketplace. Quick & safe.

Oscar Insurance - EPO 
Health insurance plans in the following cities/counties:

Austin: Travis, Williamson, and Hays
Dallas–Fort Worth: Collin, Dallas, Denton, Rockwall, Tarrant
El Paso: El Paso
Houston: Fort Bend, Galveston, Harris, Montgomery
San Antonio: Bexar and Comal

Additional Off Marketplace health plans here: 

2019 savings depend on income
& tax houshold size

           $12,140  to   $48,560 for individuals
           $16,460  to   $65,840 for a family of 2
           $20,780  to   $83,120 for a family of 3
           $25,100  to $100,400 for a family of 4
           $29,420  to $117,680 for a family of 5

Run a quote to see if your eligible for a PTC

2018 income range:

$12,060 to $48,240 for individuals
$16,240 to $64,960 for a family of 2
$20,420 to $81,680 for a family of 3
$24,600 to $98,400 for a family of 4
$28,780 to $115,120 for a family of 5

2017 income range:

$11,880 to $47,520 for individuals
$16,020 to $64,080 for a family of 2
$20,160 to $80,640 for a family of 3
$24,230 to $97,200 for a family of 4
$28,440 to $113,760 for a family of 5

2016 income range:

$11,770 to $$47,080 for individuals
$15,900 to $63,720 for a family of 2
$20,090 to $80,360 for a family of 3
$24,250 to $97,000 for a family of 4

If you qualify and apply to receive a Subsidy, provide the following agent information on your application:

- Insurance Agent: Susan Speciale
- National Produce Number (NPN): 1635661

Starting with the 2019 calendar year, there's no penalty for not having coverage. Note: This change will take effect with 2019 taxes, which are filed in early 2020. See details.

For tax years 2014-2018 only
Penalty - Fee you pay if you don't have health coverage

“Affordable” plans and the percent standard
A job-based health plan is considered "affordable" if your share of the monthly premiums for the lowest-cost self-only coverage that meets the minimum value standard is less than a "percent" of your household income.

You may pay more than "percent" of your household income on monthly premiums if you’re enrolled in your employer’s spouse or family coverage. But affordability is determined only by the amount you’d pay for self-only coverage. Learn more.

The MINIMUM VALUE standard

A health plan meets the minimum value standard if it pays at least 60% of the total cost of medical services for a standard population and offers substantial coverage of hospital and doctor services. In other words, in most cases a plan that meets minimum value will cover 60% of covered medical costs. You’d pay 40%. Most job-based plans meet the minimum value standard. Learn more.

Individual Mandate
2018 and earlier - Federal law requires most people to have qualifying health insurance or pay a penalty. Learn about whether you're exempt from the mandate, the penalty if you don't have coverage, and types of qualifying health coverage. Source: TDI

If you don’t have coverage in 2018, you’ll pay the higher of these two amounts:

2.5% of your yearly household income
$695 per person ($347.50 per child under 18)

The fee is sometimes called the "penalty," "fine," "individual responsibility payment," or "individual mandate."

The Transitional Reinsurance Program - Reinsurance Contributions Overview

Section 1341 of the Affordable Care Act established a transitional reinsurance program to stabilize premiums in the individual market inside and outside of the Marketplaces. The transitional reinsurance program will collect contributions from contributing entities to fund reinsurance payments to issuers of non-grandfathered reinsurance-eligible individual market plans, the administrative costs of operating the reinsurance program, and the General Fund of the U.S. Treasury for the 2014, 2015, and 2016 benefit years. CMS.gov Source and more

Add the following when applying for the Premium Tax Credit on Healthcare.gov

Agent: Susan Speciale
National Producer Number(NPN): 1635661

• Aetna (HMO)
• Blue Cross and Blue Shield of Texas (HMO)
• Bright HealthCare (HMO)
• CHRISTUS Health Plan (HMO)
• Friday Health Plans (EPO)
• Molina Marketplace (HMO)
• Oscar (EPO)
• Scott&White Health Plan (HMO)
• UnitedHealthcare (HMO)

Estimating your expected household income for 2020.
How many people are in your household? Include yourself, your spouse if married, and anyone you'll claim as a tax dependent in 2020 — even if they don't need coverage.  See more information on eligibility.

EASY TO ENROLL 

• This quoting and enrollment tool is a secure and trusted partner of Healthcare.gov.
• The same plans and premiums on Healthcare.gov are shown here.
• If you are new to the ACA or returning to HealthSherpa during Open Enrollment apply here.
• If you already have an account at Healthcare.gov you can return there to apply.