Health Insurance
Obamacare (ACA) or Medicare — Which One Do You Need?
Protect your health and your family's with health insurance options designed for your needs and budget. Our experts help you find the best coverage, including Obamacare (ACA) plans, so you understand your options and available benefits. Not sure if ACA or Medicare is right for you? Here's a quick guide, then explore either option in more detail below.
| Obamacare (ACA) | Medicare | |
|---|---|---|
| Who it's for | Individuals and families under 65 without employer coverage | Adults 65+, or younger with qualifying disabilities |
| Enrollment window | Open Enrollment (Nov–Jan), or a Special Enrollment Period after a life event | Initial Enrollment around your 65th birthday, plus Annual Enrollment (Oct 15–Dec 7) |
| Cost help available | Income-based subsidies can lower your monthly premium | Medicare Advantage and supplement plans can reduce out-of-pocket costs |
Obamacare / ACA Marketplace
Compare marketplace health plans and see if you qualify for subsidies to lower your monthly cost.
Learn About ACA Plans →Medicare
Turning 65 or already eligible? We'll walk you through Medicare Advantage, Supplement, and Part D options.
Learn About Medicare →Not sure which applies to you? A quick call clears it up.
Get a Free QuoteFrequently Asked Questions
What is Obamacare and who qualifies?+
Obamacare is the common name for marketplace health plans created under the Affordable Care Act (ACA). Most U.S. citizens and lawfully present residents under 65 who don't have coverage through an employer, Medicare, or Medicaid can qualify, and many also qualify for subsidies that lower the monthly premium based on household income.
How can I get affordable health insurance?+
The most common way is through the ACA marketplace, where income-based subsidies can significantly lower your monthly premium. A licensed agent can check what subsidies and plans you qualify for at no cost to you.
How much does health insurance cost in Texas?+
Cost varies widely based on your age, household income, family size, and the plan you choose. Many Texans qualify for subsidies that lower their premium well below the sticker price — the only way to know your real cost is to get a personalized quote.
What happens if I don't have health insurance?+
There's no federal tax penalty for being uninsured today, but you're fully responsible for any medical costs out of pocket, which can be substantial in an emergency or for ongoing care. Not having coverage also means you'd have to wait until the next Open Enrollment period to get a plan, unless you qualify for a Special Enrollment Period.
What's the difference between a deductible, copay, and coinsurance?+
A deductible is the amount you pay out of pocket before your insurance starts covering costs. A copay is a fixed fee you pay for a specific service, like $30 for a doctor visit. Coinsurance is a percentage of the cost you share with your insurer after you've met your deductible — for example, you might pay 20% while your plan covers the other 80%.