Texas Health Insurance — Built Around Your Life
If you're self-employed, running a small business, or just buying your own health coverage in Texas, there's a good chance you've either overpaid for it or gone without because the options felt impossible to sort through on your own. I work with 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 — to find private under-65 coverage that actually fits your situation.
How health coverage works in Texas
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. If you work for yourself, the Texas self-employed & 1099 health insurance guide walks through your options in depth.
Who I help across Texas
- Self-employed and 1099 contractors buying their own coverage
- Families and individuals shopping outside an employer plan
- People losing COBRA or between jobs who need coverage fast
- Small business owners covering themselves and their teams
- Early retirees bridging the gap to Medicare
An independent broker who's still there after you enroll
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 31 states, including Texas. (Ryan Michalek, NPN 21043091.)
Quick answers for Texas.
Can I buy coverage in Texas outside open enrollment?
Texas runs on the federal HealthCare.gov calendar for marketplace plans, so outside open enrollment you'd generally need a qualifying event — job loss, marriage, a move — to get a special enrollment window. Private under-65 plans don't play by that same clock, though; many of them enroll year-round, which is often the more realistic path if you're calling me in June instead of November.
Do you serve all of Texas?
Yes, all of Texas. Houston, Dallas, Austin, San Antonio, or a small town in between — I work with people by phone and video, so the size of the state has never gotten in the way.
Is there a fee to work with you?
No. Like most brokers, I'm paid by the insurance carrier once you enroll, not by you, so there's no fee for my time or advice.
Explore coverage by situation.
Self-employed & 1099
Buying your own coverage as a freelancer, contractor, or solo business owner.
Explore self-employed →Families & individuals
Coverage for your household, built around your budget and doctors.
Explore family coverage →COBRA & coverage gaps
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 →
A real person — not a call center. No spam calls, no robocalls, no pressure — just my number, and me on the other end.
Let's find your Texas coverage.
Tell me your situation and I'll lay out what's actually available across Texas, in plain English.