Compare your Texas coverage options with a licensed advisor. Individual, family, self-employed, and small business plans, marketplace subsidies, and enrollment help, explained in plain language.
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Texas residents have several coverage paths, from marketplace plans and subsidies to private options and employer coverage. Whether you are self-employed, raising a family, or running a small business, clear guidance on how coverage works in Texas is the first step toward a plan that fits.
Texas uses the federal Health Insurance Marketplace at HealthCare.gov. Individual and family plans are compared and enrolled through the federal marketplace or directly with private carriers.
Texas has not expanded Medicaid, so Medicaid eligibility is more limited here. That makes income-based marketplace subsidies (premium tax credits) especially important for keeping coverage affordable.
Open enrollment for Texas plans generally runs November 1 through January 15. Qualifying life events, like losing coverage, marriage, or a new baby, open a special 60-day window any time of year.
Jordon Murphy Health is a licensed advisory firm serving Texas residents. We help you compare options, understand costs, and enroll with confidence, at no cost to you.
Whether your Texas small business follows federal COBRA or Texas's own continuation rules depends entirely on employer size.
| Employer Size | Applicable Law | Continuation Length |
|---|---|---|
| 20+ employees | Federal COBRA | Up to 18 months |
| 2-19 employees | Texas state continuation | About 9 months independently |
| Exhausted federal COBRA (any size) | Texas extension provision | Up to 6 additional months, up to 24 months combined in some scenarios |
We serve Texas residents across Houston, San Antonio, Dallas, Austin, and Fort Worth and statewide.
Personal coverage for Texas residents without an employer plan.
Learn MoreProtect your whole household under one Texas plan.
Learn MoreFlexible coverage for Texas freelancers and contractors.
Learn MoreGroup health benefits for Texas teams of 2 to 50.
Learn MoreFederal COBRA generally applies only to employers with 20 or more employees. Smaller Texas employers with 2 to 19 employees are typically subject to Texas's own state continuation coverage rules instead, which run independently for about 9 months and can, in some scenarios, combine with a federal COBRA exhaustion extension for up to 24 months total.
Texas uses the federal Health Insurance Marketplace at HealthCare.gov. Individual and family plans are compared and enrolled through the federal marketplace or directly with private carriers. We help you compare both marketplace and private options and choose the one that fits your doctors, prescriptions, and budget.
Many residents qualify for income-based premium tax credits that lower monthly costs. Texas has not expanded Medicaid, so Medicaid eligibility is more limited here. That makes income-based marketplace subsidies (premium tax credits) especially important for keeping coverage affordable. We check whether you qualify and help you set an accurate income estimate.
Open enrollment for Texas plans generally runs November 1 through January 15. Qualifying life events, like losing coverage, marriage, or a new baby, open a special 60-day window any time of year.
Yes. We work with Texas individuals, families, self-employed professionals, and small business owners across Houston, San Antonio, Dallas, Austin, and Fort Worth and statewide, matching each situation to the right coverage.
Talk through your options with a licensed advisor who serves Texas. No cost, no pressure.