Plain-English guides
Insurance in Texas, explained without the jargon
The questions clients actually ask me — enrollment windows, what a deductible really costs you, which plan fits which situation. No sales pitch, just the mechanics.
2027 Open Enrollment in Texas: dates, deadlines and what to do first
Open Enrollment for 2027 Marketplace plans runs Nov 1, 2026 to Jan 15, 2027. Enroll by Dec 15 for coverage that starts Jan 1. Here is what to prepare.
Read Health InsuranceHow to compare Marketplace plans in Texas — and our new plan comparison tool
Monthly price is only one of three numbers that decide what a plan costs you. How to compare plans side by side, and a free tool that shows every plan in your county.
Read Health InsuranceTurning 26 in Texas: how to get your own health insurance
At 26 you lose a parent's plan, and that opens a 60-day window to enroll in your own. What to do, when coverage starts, and how your income affects the price.
Read Health InsurancePregnant or planning a baby? What Marketplace plans cover and when to enroll
Every Marketplace plan covers pregnancy, delivery and newborn care. But pregnancy alone usually doesn't let you enroll mid-year — here's how the timing works.
Read Health Insurance2027 Marketplace tax credit changes for immigrants: who still qualifies
Starting with 2027 coverage, the premium tax credit is limited to green card holders and a few other groups. Who is affected, and what options remain.
Read MedicareThe seven months that decide what Medicare costs you for life
Miss your enrollment window and Medicare does not fine you once — it raises your premium permanently. The calendar below, plus the two situations where the usual advice is wrong.
Read MedicareAdvantage or Medigap: the Medicare decision that is hard to undo
Both routes are legitimate and both are chosen by sensible people. What almost nobody explains is that switching later is not symmetrical — one direction is guaranteed, the other may not be.
Read Health InsuranceWhy the cheapest Marketplace plan is rarely the cheapest plan
Premium is the number everyone compares and the one that decides the least. How deductible, network and drug coverage quietly change what you actually pay across a year.
Read GuidesJust moved to the U.S.? The order to buy insurance in
Health, dental, vision and life are four separate purchases here, and buying them in the wrong order costs money. A practical sequence for your first year.
Read Dental & VisionDental and vision: do the arithmetic before you buy
These are the cheapest policies most people own and the ones most often bought wrong. Three numbers decide whether a dental plan is worth it, and none of them is the premium.
Read Term LifeTerm life or IUL: what each one is actually for
They are sold as alternatives and they are not. One replaces income for a period; the other is a long-term financial instrument that happens to include life coverage.
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