Health Insurance (Obamacare / ACA)
A well-chosen health plan isn't the cheapest one — it's the one that covers your doctors, your medications, and your real budget. We help you compare plans, bilingually and at no cost.
or call us: +1 (281) 815-5895
Subsidy calculated with your real income
We estimate the tax credit you qualify for so you know what you'll pay every month, with no tax-time surprises.
Honest plan comparison
Bronze, silver, and gold side by side: premium, deductible, copays, and out-of-pocket maximum.
Your doctor, verified before you sign
We check the network of doctors, hospitals, and medication formulary before you enroll.
What every Marketplace plan includes
By law, ACA plans cover a set of essential benefits, regardless of which insurer you choose.
- Doctor visits, preventive care, and vaccines with no copay
- Emergency care and hospitalization
- Prescription drugs according to the plan's formulary
- Maternity, mental health, and rehabilitation
- Guaranteed coverage even with pre-existing conditions
How we choose your plan with you
The whole process is bilingual and free for you: the insurer compensates the agent, you only pay your premium.
- We review income, household size, and immigration status
- We calculate your subsidy and real monthly cost
- We present 2 or 3 options with clear numbers
- We handle enrollment and support you all year
When you can enroll
Open enrollment runs from November 1 to January 15, but a qualifying life event opens a special enrollment period any time of year.
- You lost employer coverage
- You moved to a different state, city, or zip code
- Marriage, birth, or adoption
- A significant change in household income
What clients ask us most
Do I need to be a citizen to get an ACA plan?
No. Permanent residents, asylees, refugees, TPS holders, and other eligible immigration statuses can buy Marketplace plans and, in many cases, receive a subsidy.
How much do you charge for guidance?
Nothing. Our guidance and enrollment services are free for you; compensation comes from the insurer.
What happens if my income changes during the year?
You need to report it to adjust your subsidy. We make that change with you and help you avoid having to repay money at tax time.
We work with the leading insurance carriers
As an independent agency, we compare plans from 19+ carriers to find your best option.
- Aetna
- Ambetter
Blue Cross Blue Shield of Texas- Cigna
Community Health Choice- CHRISTUS Health Plan
- Devoted Health
Humana- KelseyCare
Molina Healthcare
Oscar Health- UnitedHealthcare
Wellpoint
Ameritas- Mutual of Omaha
F&G Annuities & Life
Quility
GEICO
Progressive
Tell us what you need and an advisor will call you
Free, no obligation. We reply within 24 business hours.
Want to review it together this week?
Message us on WhatsApp and in a few minutes you'll know your options. Free, no obligation, in English or Spanish.