Health Insurance in Texas

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Texas Health Insurance

Health Insurance Broker Services in Texas

Discover peace of mind with Apollo Health Insurance, where personalized coverage meets your unique needs. Let our team of industry experts and knowledgeable advisors navigate your medical challenges, simplifying your healthcare journey.

Health insurance in Texas is rapidly changing, but Apollo is keeping up. Read on for the basics of health insurance in the Lone Star State.

Quick Facts About Health Insurance in Texas

Health Insurance in Alabama
Texas uses the federal Marketplace as its ACA Exchange.
Health Insurance in Alabama
Open Enrollment for On-Exchange plans will be from November 1 – December 15.  
Health Insurance in Alabama
Off-Exchange plans offer year-round enrollment. 
Health Insurance in Alabama
Apollo Insurance Group can help broker plans from 21 different carriers. 

Private Health Insurance in Texas

Health insurance is an important part of staying healthy and financially secure. It can help you pay for medical expenses, including doctor visits, hospital stays, and prescriptions.

Private health insurance plans provide individuals and families with the flexibility to choose a plan that best fits their specific needs, budget, and preferred network of healthcare providers.

This personalized approach ensures that you receive the most suitable care tailored to your unique needs.

If you are a resident of Texas, there are a wide range of private health insurance plans available to you.

Private health insurance in Texas

Types of Private Health Insurance

HMO (Health Maintenance Organization)

HMO (Health Maintenance Organization) plans require you to choose a primary care doctor who coordinates your care. HMO plans typically have lower premiums than other types of plans.

POS (Point of Service)

POS (Point of Service) plans are a hybrid of HMO and PPO plans. You can choose a primary care doctor, but you can also see a doctor outside of the network for a higher copay. POS plans typically have higher premiums in between HMO and PPO plans.

PPO (Preferred Provider Organization)

PPO (Preferred Provider Organization) plans allow you to see any doctor in the plan’s network, but you will pay more to see a doctor outside of the network. PPO plans typically have higher premiums than HMO plans.

EPO ( Exclusive Provider Organizations)

EPO (Exclusive Provider Organizations) also offer a network of doctors and specialists, but coverage for out-of-network providers may vary based on your plan. While some EPOs may require a primary care physician, others may not. Unlike HMOs, EPOs generally do not mandate referrals for specialist visits.

How to Find Affordable Health Insurance in Texas

When shopping for a private health insurance plan in Texas, it is important to consider your needs and budget. You should also think about the following factors:

  • Your health: If you have any pre-existing conditions, you will need to make sure that the plan you choose covers those conditions.
  • Your budget: You should compare the premiums and deductibles of different plans to find one that fits your budget.
  • Your network: If you have a preferred doctor or hospital, you will need to make sure that they are in the plan’s network.
Affordable Health Insurance in Texas

Texas Health Insurance Marketplace

There are four categories of health insurance plans available in Texas: Bronze, Silver, Gold, and Platinum. Each type of plan has different levels of coverage and costs. The type of plan that is right for you depends on your needs and budget.


  • Bronze plans have the lowest monthly premiums, but they also have the highest out-of-pocket costs. This means that if you need to use your insurance, you will have to pay more out-of-pocket before your insurance kicks in.
  • Silver plans have higher monthly premiums, but they also have lower out-of-pocket costs in comparison to Bronze plans. Sliver plans help provide more balance between monthly payments and out-of-pocket costs.
  • Gold plans offer lower out-of-pocket costs in exchange for higher monthly premiums. They are designed to minimize the financial burden of high deductibles, making them an ideal choice for individuals or families with frequent healthcare needs or expensive prescription medications.
  • Platinum plans have the highest monthly premiums and the lowest out-of-pocket costs of any health insurance plan available. Due to high monthly premiums, deductibles are very low, meaning your plan starts paying its share earlier than for other categories of plans.

When to Enroll in Texas Health Insurance

Enrolling in health insurance in Texas is only restricted for On-Exchange/ACA insurance plans. For these plans, most people can only enroll during the Open Enrollment period. Open Enrollment for the federal ACA Marketplace is from November 1, 2023 – December 15, 2023. To enroll outside of Open Enrollment, you will need a qualifying life event. 

With some exceptions, there are no restrictions on enrolling in Off-Exchange plans. Generally speaking, plans that are not found on the federal Marketplace allow enrollment year-round.

Texas Health Insurance
Apollo Insurance Group - Agents

How to Enroll in Texas Health Insurance

To enroll in a health insurance plan in Texas, contact us now. We will work with you to find the best plan for your budget and needs. 

Health insurance in the United States is a complicated, and Texas is no exception. Let one of the experts at Apollo Health Insurance guide you.

Health Insurance in Austin Texas

Health Insurance in Austin Texas

As a resident of Austin, it’s important to have health insurance coverage for yourself and your loved ones. Fortunately, there are many health insurance options available in the Austin area. From major national providers to local health maintenance organizations, Austin residents have access to a variety of plans and coverage options. It’s important to carefully compare these options, considering both the cost and the level of coverage provided. For those who may not be able to afford health insurance on their own, there are also government programs available such as Medicaid and CHIP (Children’s Health Insurance Program). No matter your budget or health needs, there is likely a health insurance option available for you in Austin. Make sure to do your research and choose the plan that best suits your needs.

Health Insurance in Dallas Texas

Health Insurance in Dallas Texas
If you live in Dallas, Texas and are looking for health insurance that fits your budget and lifestyle, then you’re in luck! This dynamic city provides so many options for providers and plans. Whether you’re self-employed or need extra coverage for a family member, there’s surely an insurer in Dallas to suit your needs. From traditional managed care to high-deductible catastrophic plans, there is something here for everyone. Plus you can enjoy being part of the thriving healthcare industry in Dallas – one of the largest cities in the U.S. – as well as receive great local customer service whenever you have a question or concern.

Health Insurance in San Antonio Texas

Health Insurance in San Antonio Texas
San Antonio, Texas residents are fortunate to have numerous health insurance providers available to them. With San Antonio’s large population and wide variety of health care needs, it is important to find a health plan that best suits your requirements. San Antonio residents have the chance to compare coverage options side by side and ensure they are receiving value and access to quality healthcare. With this wide range of insurance plans available, San Antonio has become a hub for affordable, quality healthcare services in South Texas.

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Individual Health Insurance
Insurance can be complicated. Between the dozens of providers, changing laws, different kinds of insurance, and so many options, it’s a challenge to navigate and find the right plan for your budget and needs.

That’s where an insurance broker can help. Apollo are the experts in health insurance and will fight for you. There’s no extra cost to you and you’ll have an insurance person to always turn to.

Learn More About Individual Health Services

Group Health Insurance
Do you want to provide an affordable insurance option for your employees?

Or maybe your employees are already insured but the cost has increases. It may be time to shop for a better group plan. Having health insurance through an employer is an additional way to acquire and keep talent. Connect with Apollo to find the best group insurance plan for you and your employees.

Learn More About Group Health Insurance

Life Insurance
Let’s be honest, we often don’t think about the extremes of what could happen in life. Life insurance is the least purchased kind of insurance even though plans start at only a few dollars a month. If you want to make sure your family is taken care of, this simple insurance can have a huge effect in case of death.

Learn More Life Insurance Services

Dental Insurance
A good smile can be worth a million dollars.

Everyone can benefit to good oral care and the cost of emergencies can be quite large. Luckily there are flexible dental insurance plans for everyone. Contact us to get a dental plan that works for your budget.

Learn More Dental Insurance Services

Vision Insurance
Our eyes are one of our most precious organs, and we only have two, so proactive protection and care is key to maintaining these vital organs! Particularly for children, they don’t yet know how beautiful the world is through perfect vision, it is our responsibility as parents and caretakers to be in-tune with the world through their eyes. On the flip side, as we age our eyes do as well, and thus the frequency for vision checks increases exponentially.

Learn More Vision Insurance Services

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