Health Insurance in Dallas, Texas

Dallas has a deep bench of small-business owners, independent sales reps and tech consultants who handle their own benefits. Working out of Tampa, licensed broker Frank Caballero helps Dallas families and solo earners sort through individual coverage without a sales pitch. Conversations happen over the phone or through video, in Spanish if you prefer, and he compares Marketplace plans alongside private options so premium, out-of-pocket exposure and network reach are weighed together.

Dallas at a glance

• Where Dallas buys Marketplace plans: HealthCare.gov, the federal Marketplace
• Open enrollment for 2027 coverage: November 1, 2026 to January 15, 2027 (December 15 for a January 1 start)
• Texas 2027 average rate change: 13.1% to 14.1% (finalized)
• Private plans: Any month, if approved

Who I help in Dallas

Corporate consultants and contract tech staff, independent mortgage professionals, commercial real estate brokers, salon and barbershop owners, landscapers and roofers, trucking and warehouse owner-operators, wedding and event vendors, and parents covering kids on their own.

What to watch when choosing a plan here

Dallas County residents often work or see doctors in Collin, Denton or Tarrant counties, and network maps do not always follow the commute. Before you pick a plan, look up your doctors at their actual addresses, not just the practice name. Many affordable choices in North Texas are HMO or EPO plans that need you to stay in network, while broader designs cost more but travel better if your family spreads across the Metroplex.

Private plans and the Marketplace

Dallas households buy Marketplace plans through HealthCare.gov. For 2027 the subsidy stops at 400% of the federal poverty level, $63,840 for one person and $132,000 for a family of four, and above that line every plan is full price. More on Texas's numbers is on the Texas 2027 premium increase page.

A private, medically underwritten plan is priced on age, ZIP code and health instead of income. You answer health questions, approval depends on them, benefits vary by plan, and private plans are not ACA Marketplace plans. If approved, one can start the first of any month, so it does not wait for open enrollment.

Areas served

Plano · Irving · Garland · Richardson · Frisco · McKinney · Mesquite · Carrollton, all by phone or video in English or Spanish.

Frank Caballero, licensed health insurance broker in Texas and 30 other states, NPN 21032307. Based in Tampa, serving Dallas by phone or video. FC Insurance Solutions is independent and not affiliated with any government agency. Esta página en español.