Frequently asked questions
Quick answers to what self-employed Texans ask me most. Still stuck? Call or text 817-932-5807.
Do I have to wait for open enrollment to get health insurance as a self-employed person?
No. ACA marketplace plans require open enrollment or a qualifying life event, but private off-marketplace plans from major Texas carriers are available 365 days a year with no waiting period.
Can self-employed people deduct health insurance premiums?
Yes. If you have self-employment income and aren't eligible for an employer-sponsored plan (yours or a spouse's), you can usually deduct 100% of your health, dental, and qualifying long-term-care premiums on Schedule 1 — even without itemizing.
How much does self-employed health insurance cost in Texas?
Premiums vary by age, zip code, tobacco use, and plan tier. For a healthy 35-year-old non-smoker in DFW, bronze plans typically run $300–$500/month and silver $400–$650/month before subsidies. ACA subsidies can reduce that to $0–$200/month depending on household income.
Will my doctor accept the plan I pick?
Not automatically. Texas carriers sell narrow-network and broad-network plans, and provider participation varies by specific plan ID — not just by carrier. Always verify your doctors are in-network on the exact plan before enrolling. I do this for every client at no cost.
What's the difference between an HMO, EPO, and PPO plan?
HMO plans require a primary care doctor and referrals for specialists, usually with the lowest premiums. EPO plans skip referrals but stay in-network only. PPO plans have the broadest networks and out-of-network coverage, with higher premiums.
Is COBRA my only option if I just left my W-2 job?
No, and it's usually the most expensive option. Losing employer coverage qualifies you for a 60-day Special Enrollment Period on the ACA marketplace, where subsidies often make coverage much cheaper than COBRA.
Do you charge for your services?
No. As a licensed Texas health insurance agent, I'm paid by the insurance carriers — never by you. Quotes and enrollment help are 100% free and no-obligation.
What carriers do you work with?
All major Texas carriers including Blue Cross Blue Shield of Texas, Aetna, Cigna, UnitedHealthcare, Oscar, and Ambetter — plus dental, vision, and supplemental plans.