Association Health Plans for Texas Small Businesses, Self-Employed & 1099 Contractors
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Trusted by hundreds of Texans. Proven by Results.
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- 30+ Years Experience
- Texas Licensed
- Same-Day Quotes
- Zero Pressure, Zero Fees
This is a Good Fit If You’re
Small Business Owners
Need coverage but marketplace prices are too high? Let's find better options.
Self Employed & 1099 Contractors
Protect your whole family without emptying your savings account.
Freelance & Gig Workers
Give your team great benefits. We handle the complicated stuff.
Tired of Narrow Networks
Keep your current doctors with broad nationwide PPO networks
What Is an Association Health Plan?
That usually means:
1️⃣ 40–60% lower premiums than Marketplace plans
2️⃣ You can qualify through a business or group
3️⃣ Individual, family & self employed options available
4️⃣ You may join an association (based on the program rules)
5️⃣ Then you can apply for plan options through that route
Not everyone qualifies. That’s why we start with a quick eligibility check.
Check your eligibility for association health plans
Why People Choose Association-Based Plans
That usually means:
1️⃣ Group-style plan options (based on eligibility)
2️⃣ More plan choices than they expected
3️⃣ A clearer path than trying to shop alone
4️⃣ Broker guidance so you don’t waste time on the wrong option
Every program is different. What you qualify for depends on your business setup, ZIP code, and other details.
How It Works (3 Simple Steps)
Check Eligibility
Tell us your ZIP code and basic business info to check eligibility.
Compare Your Best Options
We look at association-based routes and other options that may be a better fit.
You Enroll With Help
If it’s a fit, we guide you through the steps and paperwork.
Good Fit vs Not a Fit (Save Time)
This may be a good fit if:
- You are self-employed or own a business
- You want broader coverage, not bare-minimum plans
- You want preventive care fully covered
This may NOT be a good fit if:
- You only want Marketplace subsidies
- You want “instant pricing” without any questions
- Your medical history does not qualify
SEE: Why Texans Love Us
Check Eligibility and Get Your Options
Frequently Asked Questions
Do I automatically qualify?
Is this the same as Marketplace health insurance?
No. These plans are not related to Marketplace (ACA) insurance at all.
They are separate, non-ACA options with different pricing rules, underwriting, and eligibility. That’s why costs can be much lower.
Can I keep my doctor?
Yes.
These plans use Nationwide PPO networks, including Cigna and Aetna PPO, which are widely accepted across the U.S.
Before enrollment, we can also confirm your specific doctor and hospital to make sure you’re covered.
How long does enrollment take?
Usually less than 10 minutes once you qualify.
After we confirm eligibility, we handle the paperwork and get you enrolled quickly.
What info do you need from me?
- ZIP code
- Business details (if applicable)
- Number of people to cover
- DOB
- Any must-have doctors or medications (optional but helpful)