Br
Bronze
The lowest monthly premium and the highest costs when you actually use care. Suits people who rarely see a doctor and mainly want protection against something serious.
Home/ACA Marketplace
ACA Marketplace · Houston, TX
Overwhelmed by choice? Let us do the sorting
There are a lot of companies offering a lot of plans in the ACA Marketplace, and we work with all of them. From making sure a specific doctor is covered to finding the best value, we find the coverage that actually suits you.
No cost to you
No obligation
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Free, no obligation
Get a free quote and consultation
Tell us your doctors, your prescriptions and what you can afford. We check what you qualify for, compare the plans side by side, and explain the difference in plain language.
Mon–Fri 9am–6pm, Sat 10am–2pm. Leave a message outside those hours and we call you back.
Every carrieron the Marketplace
Independent agents comparing 12 major carriers
The metal tiers, decoded
What Bronze, Silver, Gold and Platinum actually mean
The tier is about how you and the plan split the cost. It is not a measure of how good the care is.
Si
Silver
The middle ground, and the one that matters most: extra savings that reduce your deductible and copays are only available on Silver plans, and only for some incomes.
Go
Gold
A higher monthly premium, but the plan covers more of each visit and prescription. Often the better value if you see doctors regularly or take ongoing medication.
Pl
Platinum
The highest premium and the lowest costs at the point of care. Not offered by every carrier, and not the right answer for most people — but worth checking.
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Subsidies and tax credits
Most people who buy through the Marketplace qualify for help with the premium, based on household income and size. We check what you qualify for before you choose anything.
Which tier is right for me?
It depends on your income, your doctors and how often you actually use care. That is a short conversation, and it is the part we are good at.
Ask us directlyWhen you can enroll
There are only two ways in
Marketplace coverage is not something you can start on any random Tuesday. Either it is Open Enrollment, or you have had a life event that opens a window.
1
Open Enrollment
One window each year, in the autumn and winter, when anyone can enroll or change plans. Call us before it opens and we will have your options ready.
2
A Special Enrollment Period
Losing other coverage, moving, marriage, a new baby, a change in income. Life events open a limited window outside the annual one, usually counted in days, not months.
3
After you enroll
Coverage generally starts on the first of a following month, not immediately. If your income changes during the year, tell us — it can change what you pay.
Not sure whether a window is open for you? Call and ask. Checking costs nothing, and if you do qualify for a Special Enrollment Period, the clock is usually already running.
Integrity Insurance
Why choose us for ACA insurance?
We have handled around 400 ACA Marketplace applications and have been recognised in the Marketplace Circle of Champions. We guide you through the details with personal care.
Stress-free process
We compare plans for you, saving you time and taking the confusion out of the Marketplace.
No extra cost
Our services are free to you. We are paid by the insurance companies, never by you.
Family-centered care
With our family-focused approach we are here to guide and support you, just like we would for our own loved ones.
Long-term support
We are here whenever your needs change, providing the care and attention you deserve.
★★★★★“Integrity Insurance helped my mom and I find affordable health insurance through the Marketplace. They made the enrollment process super easy and are always available to answer any questions. They work with every carrier and they really took the time to find the plan that best fit our needs.”
★★★★★“I used to dread dealing with insurance and learning all of these weird acronyms that other companies push down your throat, but these guys at Integrity have revolutionized insurance service. Not only are they the best, they helped me understand any question I had.”
Common questions
Marketplace questions we hear most
To enroll in Medicare you have a seven-month window, starting three months before the month of your 65th birthday. We guide you from beginning to end: starting with soliciting Medicare Parts A & B from Social Security, and ending with picking the best plan for your needs.
Yes, and you should always ask us to. Networks differ between plans from the same company, and a plan that looks cheaper is not cheaper if it drops your doctor. Bring the names and we check them before you decide.
The monthly premium is only part of it. What you pay depends on the premium, any subsidy you qualify for, the deductible, and what each visit or prescription costs you. We walk you through all four for the plans that fit, not just the headline price.
Tell us. Marketplace savings are based on your expected income for the year, so a significant change can affect what you pay and what you owe at tax time. It is much easier to adjust during the year than to fix afterwards.
Never. Our primary goal is to provide information, and all of that information is publicly available. We do earn when you choose us as your agents, because as independent agents we work on a commission basis with the carriers.
Let us do the sorting
One call and you will know what you qualify for, what it costs, and whether your doctor is in the network. No cost, no obligation.