Insurance Tips, Made Simple

Marketplace plans (via Healthcare.gov) may qualify you for subsidies based on income. Private insurance can offer more flexibility, but without financial assistance. We’ll help you compare both.

You typically qualify at age 65—or earlier if you have certain disabilities. We can help you understand what parts you need and when to enroll.

Healthcare Marketplace plans are health insurance options available through the Health Insurance Marketplace, established under the Affordable Care Act (ACA). These plans offer comprehensive coverage, including essential health benefits like doctor visits, hospital stays, prescription drugs, and preventive care. They’re designed for individuals, families, and small businesses, with options for different coverage levels (Bronze, Silver, Gold, Platinum).

Marketplace open enrollment will be November 1st, 2025 to December 15th, 2025

You can enroll in a Marketplace plan if you’re a U.S. citizen or lawfully present resident, not incarcerated, and not enrolled in Medicare. Enrollment typically occurs during the Open Enrollment Period (November 1 to December 15 in most states), but you may qualify for a Special Enrollment Period due to life events like marriage, job loss, or having a baby

Marketplace plans are for individuals under 65 or those not eligible for Medicare, offering private insurance options. Medicare is a federal program primarily for people 65 and older or those with certain disabilities or conditions like ESRD (End-Stage Renal Disease). You generally cannot have both a Marketplace plan and Medicare.

Medicare Advantage (Part C) plans are private insurance plans approved by Medicare that combine Parts A, B, and often D. They may offer extra benefits like dental, vision, or hearing, but often have network restrictions (e.g., HMO or PPO plans). Original Medicare (Parts A and B) offers more provider flexibility but fewer additional benefits

It depends on your age, health, and the type of plan. Some coverage starts as low as a few dollars a month. We’ll walk you through your options.

Absolutely. We help Central Texas businesses set up group health plans—many are more affordable than you might think.