FAQ

When signing up for the Affordable Care Act/Marketplace, individuals must either qualify for a Special Enrollment Period or be within the state’s Open Enrollment period. In Texas, Open Enrollment runs from November 1st to December 15th, with coverage starting on January 1st of the following year.

In contrast, private health insurance plans are not government-regulated, allowing for enrollment throughout the entire year.

HMO (Health Maintenance Organization): An HMO generally provides access to a limited selection of doctors and facilities within its smaller network. If you seek care outside of this network, the insurance may not cover any expenses unless it’s a life-threatening emergency. Typically, an HMO requires a referral from your Primary Care Physician before you can see a specialist.

PPO (Preferred Provider Organization): A PPO offers you the flexibility to select your own healthcare providers and facilities. Even if you choose a provider outside of the network, the insurance will still cover its share of the costs. Additionally, a PPO allows you to consult a specialist directly without needing a referral from a Primary Care Physician.

We offer affordable, private PPO Health Coverage options outside the ACA for Self-employed Individuals, Families, and group health coverage solutions for small businesses from 2-49 employees as well as medium size businesses of 50-100+ employees. 

Costs vary based on coverage options, age, and health needs. Contact us for a tailored quote.

No, consultations are free and come with no obligations to enroll in a plan.

Our team will assess your needs and provide expert advice on the best coverage options for you.