ACA Health Insurance (Known as Obamacare) in Dallas–Fort Worth and Across Texas

ACA health insurance, also called Obamacare or Marketplace health insurance, provides your family with benefits required by law.

I help you compare plans in Spanish and find out whether you qualify for help with the cost.

Tap the “Start My Free Assessment” button or call me at 682-231-3775.

Enrollment Dates for 2027 Coverage

November 1, 2026:
Open Enrollment begins.
December 15, 2026:
Last day to enroll or change plans for coverage starting January 1, 2027.
December 16, 2026, through January 15, 2027:
If you enroll during these dates, your coverage starts February 1, 2027.
January 15, 2027:
Open Enrollment ends. After this date, you can enroll only if you have a qualifying life event.

Your coverage starts once you pay your first premium.

If you already have a plan, review next year’s changes before letting it renew automatically so you can check your options.

Who Can Enroll Outside These Dates?

If you’ve had a life event, such as losing your health insurance, moving, getting married, or having a baby, you may qualify for a Special Enrollment Period. Tell me what happened, and I’ll explain your options.

What Does an ACA Plan Cover?

All ACA plans cover ten essential health benefits. You’ll find the list farther down this page. Plans also cannot deny you coverage or charge you more because of a pre-existing condition.

Plan Levels

Bronze: Lower monthly premiums, but you pay more when you use healthcare services.
Silver: A middle-ground option. This is the level where you may qualify for additional help with deductibles and copayments.
Gold: Higher premiums, with lower costs when you use healthcare services.
Platinum: The highest premiums, with the lowest costs when you use healthcare services. This level is not always available.

Help With the Cost

Financial assistance is calculated based on your household income and family size.

In general, the premium tax credit is available to households with incomes between 100% and 400% of the federal poverty level.

The enhanced tax credits available through 2025 have ended, so many families are paying more than before.

That’s why it’s worth reviewing your situation each year. I’ll explain how much assistance you may qualify for before you choose a plan.

How I Help

We talk. You tell me about your family, your doctors, and your medications.
We compare plans. We review premiums, deductibles, provider networks, and covered medications.
I help you enroll and follow up. I guide you through the application and help with questions that come up afterward.

Frequently Asked Questions

How much does an ACA plan cost?
- It depends on your age, income, family size, and the plan you choose. I’ll show you actual plan options during your free assessment.
Can I keep my doctor?
- It depends on each plan’s provider network. Before you decide, we check whether your doctor is in the network and your medications are covered.
What happens if I do nothing during Open Enrollment?
- If you already have a plan, it may renew automatically, but its prices and benefits can change. It’s best to review it.
What if my income changes during the year?
- Report the change so your application can be updated. Your financial assistance is adjusted based on your actual income and may affect your taxes.
How does coverage work for immigrants?
- The rules regarding immigration status have changed for 2027. We’ll review your situation using official information from HealthCare.gov before you decide.
Do you help with Medicaid or CHIP?
- I don’t work with Medicaid or CHIP. If you think you may qualify, apply at YourTexasBenefits.com or call 2-1-1 and select option 2.
Do you serve families outside Dallas–Fort Worth?
- Yes. I help families throughout Texas by phone and online.