Confused by HMOs, PPOs, and premium jargon? We compare real plans from top carriers, explain them in plain English, and help you pick — at zero cost to you.
Every plan type trades off cost, flexibility, and which doctors you can see. Here's what the letters actually mean.
Lower premiums in exchange for staying in-network and getting referrals from a primary care doctor. Good fit if you want to keep costs down.
More flexibility to see specialists and out-of-network providers without a referral, for a higher premium. Good fit if you value choice.
A middle ground: no referrals needed, but you're limited to an in-network provider list. Often priced between HMO and PPO.
Depending on your household income, you may qualify for a premium tax credit that lowers your monthly cost — sometimes to $0. We check this automatically when you compare plans.
Three steps, no pressure, no obligation.
Your zip code, household size, and income — takes under a minute.
Options from top-rated carriers, side by side, with your actual pricing.
A licensed advisor walks you through the details before you commit to anything.
We're not tied to one insurance company, so we show you what actually fits — not whichever plan pays us the most.
Every quote comes with access to a licensed advisor, not a chatbot script.
Comparing plans with us doesn't commit you to anything.
We know the Texas market and the carriers that actually serve it well.
Coverage often pairs with these — take a look while you're here.
HMOs cost less but require referrals and in-network care. PPOs cost more but let you see any doctor without a referral. EPOs sit in between — no referrals needed, but you're still limited to an in-network provider list.
It depends on your household income and size — many people qualify for a premium tax credit that significantly lowers the monthly cost. We calculate this automatically when you compare plans.
Yes. Marketplace health plans can't deny you coverage or charge you more because of a pre-existing condition.
Open Enrollment runs once a year, but you may qualify for a Special Enrollment Period if you've had a life change — a new job, a move, marriage, or losing other coverage.
No. We're paid by the insurance carrier when you enroll, not by you, so comparing plans and talking to an advisor is always free.
Absolutely. Send us your current plan details and we'll tell you honestly whether there's a better option.
