Texas Individual & Family Insurance - Personalized Quotes

Explore Individual & Family Health Insurance Plans in Texas

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Full Coverage
Health Insurance Plans in Texas

Looking for health insurance coverage for everything from preventive care to major medical expenses?

If you want the simplicity of combined coverage for routine doctor exams, injuries, accidents, maternity care, surgeries, hospital visits and catastrophic illnesses, full coverage health insurance is a good option.

A combined coverage open network PPO health insurance plan is a smart choice for both individuals and families whose income is above the limit for an ACA health plan. These full coverage non-ACA plans can be customized with different combinations of benefits to fit your needs.

Does a full coverage health insurance plan sound like a good fit for your needs? Request a free quote from a licensed insurance agent in Texas.

Plan Features

  • Private PPO health insurance
  • Open access network
  • No primary care physician required
  • No specialist referrals needed
  • No deductible

Note: Plan availability is subject to location and underwriting requirements.

Doctor Care Insurance
for Individuals & Families in Texas

Are you searching for a health plan that just covers the essentials? Look no further.

Doctor care benefit plans are health insurance policies that cover routine expenses. These typically include office visits, preventive services, diagnostic testing, and prescriptions.

Who Should
Consider This Plan?

If your income is too high for an ACA marketplace plan and you’re looking for an affordable alternative, this may be a good option. Premiums for a doctor care health insurance plan are usually lower than those for a full coverage major medical plan.

Keep in mind that this plan has basic coverage. If you’re generally healthy and you don’t need insurance that covers specialized services like mental health or maternity care, a doctor care plan is worth considering.

Questions about choosing the right doctor coverage health insurance plan? Request a free, personalized quote from a licensed insurance agent in Texas.

Plan Features

  • Private PPO health insurance
  • Open access network
  • No referrals
  • Primary care physician not required
  • No deductible


  • Doctor’s office visits
  • Prescription drugs
  • Labs
  • X-Rays
  • Emergency room visits
  • Ambulance services
  • Preventive care:
    • Colonoscopy
    • Mammogram
    • Pap Smear
    • Prostate Exam
    • Diabetes Blood Test (A1C)

Catastrophic Health Insurance
for Individuals & Families in Texas

Do you want insurance that’s just available in case of an injury, accident or major illness?

Catastrophic health insurance benefits cover larger surgical expenses and hospital costs.

Who Should
Consider This Plan?

If you don’t go to the doctor often and you’re not taking any prescription medications, a catastrophic health insurance plan may be a good fit.

It will provide coverage for unexpected surgeries or hospital visits and offers premiums that are usually lower than other types of non-ACA health insurance policies.

Not sure if a catastrophic health plan is right for your needs? Request a free quote from a licensed insurance agent in Texas.

Plan Features

  • Private PPO health insurance plan
  • Open network
  • No primary care physician needed

ACA Marketplace Insurance
for Individuals & Families in Texas

The truth is, navigating the ACA marketplace to find an insurance plan can be confusing.

Southern Plains Insurance Group provides you with clear answers to your marketplace insurance enrollment questions.

What Is a
Marketplace Plan?

Under the Affordable Care Act (ACA), also referred to as Obamacare, individuals and families can purchase a health insurance plan through Federal or state-run exchanges.

The plans are major medical health insurance policies, so they cover a full range of services for injuries, illnesses, pre-existing conditions, maternity, mental health and more.

Which ACA Plan
Should I Choose?

If you live in Texas, a Southern Plains Insurance Group specialist can help you select the best ACA health insurance plan for your needs.

Other ways we can help you with marketplace insurance include:

  • Clearly explain your benefits to you.
  • Determine if you’re eligible for a special enrollment period.
  • Verify that the doctors and hospitals you use are in network.
  • Ensure that you receive your full tax credit for your monthly premiums.

Plan Features

Preventive care services are free, so you won’t have to pay a deductible.

However, ACA health plans may have deductibles for other services. If so, you’ll pay the deductible plus a percentage of the leftover cost.

There’s a maximum out of pocket amount for each plan, which is the limit of what you’re required to pay for covered services.

With ACA plans, you’ll usually need to use doctors and hospitals within a provider network.

Low-income plan participants may be eligible for government subsidies to help pay for the monthly premiums.

Does an ACA Marketplace health insurance plan sound like a good fit for your needs? Speak with a licensed insurance agent in Texas for expert guidance.

What is a
PPO Plan?

In Texas, you have several types of health insurance to choose from. PPO plans are a popular choice because they offer a great deal of flexibility.

A Preferred Provider Organization (PPO) is a managed care health plan that consists of a contracted network of participating providers.

As a PPO plan member, you can visit any of these in-network doctors and hospitals. You also have the option to use out-of-network providers, although you won’t get the best rates.

PPO plans don’t usually require you to designate a primary care physician or get referrals for specialist visits.

You can customize these private health insurance plans to fit individual or family needs.

  • Enroll anytime
  • Premiums are not based on your income
  • Medical underwriting is required
  • Open networks (PPO)

Get a Health Insurance Quote

All information is 100% confidential and never shared with anyone other than a Southern Plains Insurance agent.

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