McKinney, Frisco, Lewisville Individual Health Insurance

McKinney, Frisco, Lewisville Individual Health Insurance

Finding the right individual health insurance plan in Texas can feel overwhelming, especially with the range of options and rules unique to the state. Whether you're self-employed, in between jobs, or simply looking for an alternative to employer-sponsored insurance in McKinney, Frisco, Lewisville or other Texas communities, we can help answer questions on what you need to know to make an informed decision.

What is Individual Health Insurance?

Individual health insurance is coverage that you purchase on your own, not through an employer. It covers essential health benefits such as doctor visits, hospital stays, prescription drugs, and preventive care.

Who Needs Individual Health Coverage in Texas?

You may need individual health insurance if you are:

  • Self-employed or a freelancer

  • Between jobs or not covered by your employer

  • Retired but not yet eligible for Medicare

  • A recent college graduate no longer on a parent’s plan

  • Working part-time without benefits

When Can You Enroll?

The main enrollment period for individual health plans in Texas is the Open Enrollment Period, which typically runs from November 1 to January 15 each year. Outside of this window, you may qualify for a Special Enrollment Period (SEP) due to life events like:

  • Losing other coverage

  • Getting married or divorced

  • Having a baby

  • Moving to a new area

What About Short-Term Plans?

Short-term health plans are also available in Texas and can be useful for temporary gaps in coverage. However, they do not meet ACA standards and may not cover pre-existing conditions or essential benefits.

Health insurance is an essential part of financial security and well-being. Whether you need coverage for yourself or your family, Texas offers a variety of plans to fit different needs and budgets. Take the time to explore your options and enroll in a plan that helps protect your health and your wallet.  Whether you reside in McKinney, Frisco, Lewisville or another community in Texas, we can help!   Give us a call 469-207-6796