Health Coverage Made Simple

Explore Your Options on the Health Insurance Marketplace

Affordable ACA Health Plans for Texas Families

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Understanding the Marketplace

What Are ACA Marketplace Plans?

ACA health plans, also known as Obamacare plans, are comprehensive health insurance policies available through the federal Health Insurance Marketplace or licensed brokers. They cover essential services like doctor visits, hospital stays, maternity care, mental health, prescriptions, and more.


These plans are guaranteed issue, which means you can’t be denied for pre-existing conditions. They also include free preventive care and limits on out-of-pocket spending, giving Texas families reliable, affordable protection.

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Key Enrollment Periods

Don’t Miss Your Window to Enroll

  • Open Enrollment (OEP): Nov 1 – Jan 15 (subject to change annually)

  • Special Enrollment: Triggered by events like losing job coverage, moving, marriage, or having a baby

  • Coverage Start Dates: Vary depending on when you enroll

If you miss Open Enrollment and don’t have a qualifying life event, you may need a temporary alternative until next year’s window. We can guide you through both ACA and short-term options.

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Bronze, Silver, Gold—What’s Right for You?

Understanding ACA Metal Tiers and Networks

  • Bronze: Lowest monthly premium, highest deductible

  • Silver: Balance of cost & coverage (CSR subsidies only apply to Silver)

  • Gold/Platinum: Higher premiums but lower costs when you need care

  • HMO vs PPO: HMO plans dominate Texas; check provider networks

We help you compare real-world plan performance in Kerrville, San Antonio, and surrounding Hill Country counties. Carriers like Blue Cross Blue Shield, Oscar, and Ambetter are common, but each plan varies in cost and provider access.

Stretch Your Budget

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Most Texans qualify for lower premiums thanks to federal subsidies. The Premium Tax Credit reduces monthly costs based on your income and family size. Cost-Sharing Reductions (CSR) lower deductibles and out-of-pocket expenses on Silver plans for eligible enrollees.


Even households earning more than four times the federal poverty level can qualify under extended rules (ARPA & IRA through 2025). We'll calculate your subsidy and apply it automatically during enrollment.

You Deserve Health Coverage You Can Afford

Common Questions, Clear Guidance

FAQs About Marketplace Insurance in Texas

We’ve helped hundreds of individuals and families in Kerrville and beyond understand ACA coverage. Here are answers to common questions our agents hear every day.

FAQs

  • What if I can’t afford the premium?

    You might qualify for subsidies or even Medicaid. Let us check your eligibility.

  • Can I keep my doctor on an ACA plan?

    It depends. We’ll help you find a plan that includes your preferred providers.

  • When do I need to enroll for coverage starting Jan 1?

    Typically by Dec 15. Enroll by Jan 15 for coverage starting Feb 1.

  • Can I enroll outside of Open Enrollment?

    Yes—if you have a qualifying event (loss of coverage, move, etc.)

  • Does ACA cover dental and vision?

    Only pediatric services. Adults may need separate dental/vision plans.