ACA Health Insurance

Special Enrollment Period (SEP)
- This starts following Open Enrollment each year -
See if
 you qualify for ACA Individual/Family health insurance during a SEP due to a qualifying life event, like losing other coverage, getting married, or having a baby.  Read more.

Texas ACA health insurance plan purchased through the Marketplace. You have determined, by providing income and household information that you may be eligible for a Premium Tax Credit (PTC).  If you qualify for PTC, you can receive savings to make insurance more affordable.

Add agent information to your application at
Agent: Susan Speciale    National Producer Number (NPN): 1635661

Health Insurance Options

Determine if you/family might be eligible for a Premium Tax Credit (PTC).

Need Help?

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.

Small Group
Health Insurance

Texas small business  owners currently not offering health insurance or interested in looking at a new product - you will want to review these options.  More on options

Supplement Health Insurance Expenses

Short Term
Health Insurance

Texas Short Term health plans are medically underwritten, don't cover pre-existing conditions (for a limited time) and don't meet the minimum essential coverage requirements of the ACA. Starting October 2, 2018, you can apply for a policy in Texas from 30 up to 360 days.

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.

Prices are fixed by law.
You can't find lower rates anywhere!

Don't forget to add this...
Supplemental Insurance Plans

These afforable plans supplement some of your higher out-of-pocket medical costs. Fill this GAP with a accident, critical illness plans and more.

Other Health Insurance Options



2019 ACA Out-of-Pocket Maximums limits
$7,900 for self-only coverage
$15,800 for family coverage

Is your household income in this chart?

Texas ACA health insurance plan purchased directly with the Texas insurance company. You can do this through me, an insurance agent

Purchasing this way, you have determined that you are NOT eligible for Premium Tax Credits available within the Federal Marketplace at

PTC Savings
depend on
income & family size

$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

 See more