TEXAS ACA & OBAMACARE HEALTH INSURANCE
Understand Your ACA Health Insurance Options
Clear Information About Obamacare, Marketplace Coverage & More
Learn how ACA Marketplace health insurance works, when you can enroll, how household income may affect financial assistance, and how to compare different health insurance options.
English & 中文服务
ACA / OBAMACARE QUICK GUIDE
Start Here: Understanding ACA Health Insurance
The Affordable Care Act (ACA), often called "Obamacare," created a way for individuals and families to shop for Marketplace health insurance and, if eligible, receive financial assistance based on household circumstances.
What Is ACA / Obamacare?
Learn the basics of ACA Marketplace health insurance, who may be eligible, and how Marketplace coverage works.
Explore the Texas ACA / Obamacare Guide →When Can I Enroll?
Open Enrollment generally runs from November 1 through January 15 each year. Outside Open Enrollment, certain life events may qualify you for a Special Enrollment Period.
Enrollment Information →ACA Subsidies & Income
Marketplace financial assistance is based on household information and estimated income. Understanding your income can be especially important when applying for financial assistance.
Learn About Subsidies →Bronze, Silver & Gold
ACA Marketplace plans are offered in different metal tiers. Understanding premiums, deductibles, and cost-sharing can help you compare plans.
Compare Plan Types →ACA INFORMATION
ACA Topics Worth Understanding
Health insurance can be easier to understand when the most important topics are explained one at a time.
Lost Your Job and Employer Health Insurance?
Losing job-based health coverage can raise several questions at once: When can you enroll in ACA Marketplace coverage? Should you consider COBRA? How does a change in income affect Marketplace financial assistance? And how do you make sure your new coverage actually starts?
I Lost My Job and Health Insurance — What Should I Do? →Open Enrollment
Learn the annual Marketplace enrollment period and important coverage effective dates.
Learn More →Household Income & MAGI
Understand why estimated household income matters when determining eligibility for Marketplace financial assistance.
Learn More →Federal Poverty Level (FPL)
See approximate FPL reference figures and understand why the applicable amount can vary depending on the year and household circumstances.
Learn More →Common ACA Mistakes
Learn about common issues such as inaccurate income estimates, missed deadlines, and choosing a plan based only on the monthly premium.
Learn More →Health Insurance Before 65
People retiring before Medicare eligibility may have several health insurance options to consider.
Learn More →Which Plan May Fit You?
Learn about the differences between ACA Marketplace coverage and other health insurance options.
Compare Options →HEALTH INSURANCE OPTIONS
Which Health Insurance Option Fits Your Situation?
ACA Marketplace coverage is one important option, but it is not the only type of health insurance available. Your situation, timing, income, health needs, and access to other coverage can affect which options are worth considering.
ACA Marketplace
Individual and family health insurance available through the Marketplace, with financial assistance available to eligible applicants.
Employer Coverage
Employer-sponsored health insurance may be an important option when available and affordable.
COBRA
Some people who lose employer coverage may consider continuing their existing employer plan through COBRA.
Private Health Insurance
Certain private health insurance options are available outside the ACA Marketplace, subject to eligibility, plan availability, and policy terms.
OTHER HEALTH INSURANCE OPTIONS
Looking Beyond ACA Marketplace Coverage?
Some people may also want to learn about private health insurance options outside the ACA Marketplace.
I provide information about certain private health insurance options available to eligible Texas residents. These plans are separate from ACA Marketplace coverage, and their eligibility, benefits, costs, exclusions, limitations, and policy terms vary.
TRAVEL & INTERNATIONAL INSURANCE
Traveling Abroad or Welcoming Family to the U.S.?
Travel medical insurance and other international insurance options may help address certain medical and travel-related risks while away from your home country.
I offer access to IMG international insurance plans, including options for international travelers, visitors to the United States, students, and other eligible individuals.
ABOUT JEAN RAO
Texas Licensed Insurance Agent
I help Texas individuals and families understand their insurance options in English and Chinese.
My goal is to explain important insurance concepts clearly, help you compare available choices, and give you the information you need to make your own decision.
ENGLISH & 中文
Chinese-Language Insurance Information
Insurance terminology and the U.S. health insurance system can be difficult to navigate, especially when English is not your preferred language.
如果您更习惯使用中文了解 ACA / Obamacare、 健康保险以及其他保险选择，欢迎访问中文页面。
中文 ACA / Obamacare 信息 →GET HELP
Have Questions About Your Insurance Options?
You do not have to know exactly which insurance you need before asking questions. Start by explaining your situation, and we can discuss the options that may apply.
LICENSE INFORMATION
Jean Rao
Licensed name: Qin Rao
Texas Insurance License #: 3499032
National Producer Number (NPN): 22225585
Insurance license information may be verified through the Texas Department of Insurance.
Important Information
Information on this website is provided for general educational and informational purposes only. It does not constitute a contract of insurance, a guarantee of coverage, or a guarantee of savings.
Insurance products, availability, rates, coverage, eligibility, underwriting requirements, exclusions, limitations, and costs vary by insurance company and individual circumstances.
Specific coverage and policy terms are governed by the applicable insurance policy and insurance company documents.
ACA Marketplace eligibility and financial assistance are determined under applicable federal rules. Please refer to official Marketplace information and your individual application results for eligibility and financial assistance determinations.