The federal marketplace was originally called the Exchange. If you don’t qualify for a premium tax credit, you should look at “off exchange” plans – there are additional options, and the application process is much easier.

If you cannot continue your current coverage and your spouse does not have employer-sponsored coverage, you may want to consider an individual health plan. This is especially true if you qualify for a premium tax credit. Maybe link to marketplace notice.

For coverage in the individual market, we recommend Blue Cross Blue Shield of Texas. BCBSTX is the largest individual insurer in the state, and, of the insurance carriers we represent, they have the lowest rates. Keep in mind that the open enrollment period begins November 1, so if you don’t qualify for a special enrollment period, you may want to consider the other options on this page.

Before applying for coverage through Blue Cross Blue Shield, you’ll want to make sure your doctors and hospitals participate in their provider network. All BCBSTX individual plans use the Blue Advantage HMO network, which is actually pretty good because it includes a number of large hospital chains and their associated physicians, including Texas Health Resources and Baylor Scott & White. Except for emergencies, no coverage outside of the contracted provider network.

We also offer coverage through Baylor Scott & White, but you will have to call our office at 972.245.0266 for a BSW quote. Currently, BCBSTX is more competitive in most cases.