Texas runs on small business and self-starters — and a lot of them are stuck overpaying for health coverage or going without. I help individuals, the self-employed, 1099 contractors, families, and small businesses across Texas — from Houston, Dallas, and Austin to San Antonio, Fort Worth, and El Paso — find private under-65 coverage that actually fits.
Texas uses the federal HealthCare.gov marketplace for ACA plans, which are guaranteed-issue and subsidy-eligible if you qualify. But with Texas having one of the highest uninsured rates in the country, a lot of self-employed Texans who earn too much for subsidies need another route. Private under-65 plans often provide PPO-style flexibility and can be enrolled any time of year. I compare both and tell you straight which fits.
I'm not captive to one carrier, so I compare your real options and recommend what fits you. One licensed advisor, start to finish. Licensed in Texas and 31 states. (Ryan Michalek, NPN 21043091.)
Often, yes, after a qualifying event; many private plans enroll year-round.
Yes, statewide.
No.
Buying your own coverage as a freelancer, contractor, or solo business owner.
Explore self-employed →Coverage for your household, built around your budget and doctors.
Explore family coverage →COBRA ending, between jobs, or losing a plan? Move fast and avoid a gap.
See gap options →Covering a team? Explore small business & group coverage → · See all service areas →
Tell me your situation and I'll lay out what's actually available across Texas, in plain English.