Health Insurance in Houston that puts your family first.
You shouldn't have to choose between your health and your budget.

Before comparing plans, it helps to know what the Marketplace is. It's a federal government health insurance marketplace, available in all 50 states — not just Texas. There, you compare and buy a private health plan. In Texas, enrollment happens through the national platform, Healthcare.gov, since the state doesn't run its own marketplace (some other states do run their own). Depending on your income, you may pay less each month thanks to a subsidy. Want us to check if you may qualify?

It depends on your household income and how many people live in it. As a reference, a family of 4 with an income between $32,150 and $128,600 a year in 2026 may qualify for a subsidy — this figure changes every year. The exact amount is confirmed when you enroll on Healthcare.gov; this is not a guarantee of eligibility. Can you tell us how many people live in your household so we can estimate your range?

For 2026, U.S. citizens, permanent residents (Green Card holders), and people with certain work visas — such as H-1B, L-1, or TN — along with their dependents may qualify. For 2027, a proposed law change could affect whether these last groups continue receiving the tax credit; we're still waiting on official guidance from CMS to confirm. If you're in the middle of an immigration process, talk to a licensed agent about your current situation.

The 4 tiers show what share of your medical costs the plan pays, and what share you pay. Bronze covers about 60% — low monthly premium, high deductible. Silver covers about 70%, and it's the only tier that can lower your deductible further if you qualify; many families pay between $0 and $80 a month. Gold covers about 80%. Platinum covers about 90%, with the highest premium and the lowest deductible. For most Hispanic families, Silver tends to be the best balance.

You can choose among all the insurers available in your area — we don't work for just one company. In Texas, options typically include Blue Cross, Ambetter, Oscar, Molina, Aetna, and UnitedHealthcare, among others. We compare the doctor network, covered medications, and cost of each one to find the plan that truly fits you — not just the first one that comes up.

The Premium Tax Credit (PTC) is federal help that lowers what you pay each month for your Marketplace plan. The amount depends on your household income and how many people live in it. For some families, this credit can cover most of the monthly premium. It's the same help we mean when we say “subsidy.”

Let your agent know as soon as your income changes — this matters. Your tax credit is calculated based on your estimated income; if it ends up higher than what you reported, the government asks you to repay that difference when you file taxes. For example, if you received $100 too much per month for the year, that's $1,200 you'd need to repay. Keeping your income updated with your agent helps you avoid this surprise.

Yes, you can still enroll. Open enrollment runs from November to January; outside those dates, there's a Special Enrollment Period (SEP), which gives you 60 days if you had a recent life change: you lost job-based coverage, got married or divorced, had or adopted a child, moved, or your income changed significantly. Tell us what happened and we'll check if your case qualifies.

Our help comes at no extra cost to you. Certified ACA agents are paid directly by the insurance companies, under a model regulated by the federal government — the price of your plan is exactly the same whether you enroll on your own or with us. The difference is that with us, you have someone in your corner who works to maximize your tax credit and avoid application errors.

Our work doesn't end when you enroll. We're here to help you throughout the year.

If you have a denied claim, we'll guide you through the appeals process. If your family situation changes — for example, you have or adopt a child, get married, or get divorced — we'll help you update your information with the Marketplace.

Before each renewal, we review your needs and the options available for the coming year together with you. And if you need to consider additional coverage, like dental, vision, or accident insurance, we can review that with you too.

The idea is simple: you shouldn't have to navigate all of this alone. You have an agent who knows your case, a number you can call, and support available in Spanish and English.