Serving 58 Texas Counties

Texas residents have several health insurance options including Marketplace plans (ACA), Medicare for those 65+, private insurance for individuals and businesses, Medicaid for qualifying individuals, and CHIP for children. Buchanan Insurance Agency can help you navigate all these options.

You can enroll in Marketplace plans during the Open Enrollment Period (November 1 - January 15) or during a Special Enrollment Period if you qualify. Our licensed agents can guide you through the application process, help you compare plans, and ensure you receive any premium tax credits you qualify for.

Medicare is federal health insurance for people 65+ and those with certain disabilities. You can enroll during your Initial Enrollment Period (7 months around your 65th birthday), Annual Enrollment Period (October 15 - December 7), or Special Enrollment Periods. We offer Medicare Supplement and Medicare Advantage plans.

You typically need proof of identity (driver's license, passport), Social Security numbers for all applicants, proof of income (W-2s, tax returns, pay stubs), current policy information if you have coverage, and immigration documents if applicable. Our agents can provide a complete checklist.

Health insurance costs vary based on plan type, coverage level, age, location, and income. Many Texans qualify for premium tax credits that significantly reduce monthly costs. Marketplace plans can range from $0 to over $1,000 monthly depending on your situation. We can provide personalized quotes.

Yes, we offer dental and vision insurance plans as standalone policies or as add-ons to health insurance. Many Marketplace plans include pediatric dental and vision coverage. For adults, separate dental and vision plans are available at affordable rates.

Whether you can keep your current doctor depends on the plan you choose. HMO plans typically require you to use in-network doctors, while PPO plans offer more flexibility. Before enrolling, we can check if your preferred providers are in-network for the plans you're considering.

HMO (Health Maintenance Organization) plans generally have lower premiums but require you to use in-network providers and get referrals for specialists. PPO (Preferred Provider Organization) plans offer more flexibility to see out-of-network providers without referrals but typically have higher premiums. We can help you choose based on your needs.