Here we answer the questions families in Katy and Houston ask us most: whether you qualify for a subsidy, which Medicare path to take and when the enrollment windows open.
Losing a job usually means losing health coverage too. The good news: it's a qualifying life event that opens a Special Enrollment Period, and most families in Texas qualify for subsidized Marketplace plans. You have 60 days — here's how to use them well.
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Health / ObamacareThe Obamacare subsidy (advance premium tax credit) is what allows many Texas families to pay just a fraction of the premium. Here's a plain-English breakdown of what determines whether you qualify.
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MedicareWhen you turn 65, the big decision isn't 'which company,' it's which path you take: a Medicare Advantage plan or Original Medicare with a Medigap supplement. They're two very different structures, and they feel different the day you get sick.
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Key DatesAlmost every coverage problem we solve starts the same way: someone found out too late. Bookmark this page: here are the enrollment windows and what you can do in each one.
Read guide →MedicareMedicare isn't one plan: it's four pieces that combine in different ways. Understanding those pieces is the difference between overpaying for years and having the right coverage from day one.
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LifeMost families overestimate the cost of life insurance by up to three times. Here are real ranges by age in Texas and what pushes the price up or down.
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SupplementalYour medical plan covers the big things, but it leaves gaps: high deductibles, the dentist, glasses, and the expenses that show up when you get hurt. Supplemental plans exist to close exactly those gaps.
Read guide →Message us and in a few minutes you'll know your options. Free, and always in plain language.
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