Health Insurance in San Antonio, Texas
San Antonio families often mix incomes: a spouse running a cleaning company, a veteran consulting on contract, a grown child driving for a delivery app. Frank Caballero, who is licensed and works from Tampa, helps these Bexar County households find individual and family health coverage that fits. Everything is handled through calls or video chats, and many San Antonio clients would rather talk it through in Spanish, which Frank is glad to do.
San Antonio at a glance
- Where San Antonio 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 San Antonio
Veterans and military spouses running small businesses, cybersecurity contractors, home health aides and caregivers, tile setters and framers, taqueria and bakery owners, hospitality and tourism workers, ranch hands and hunting outfitters on nearby ranchland, and multigenerational households.
What to watch when choosing a plan here
San Antonio keeps growing toward New Braunfels and Boerne, which sit in Comal and Kendall counties rather than Bexar, so plan lineups can shift when you cross a county line. HMO and EPO plans may limit you to one group of hospitals, which matters if your favorite doctors work across town. Families on the rural edge toward Seguin or the Hill Country should confirm there is an in-network clinic within a reasonable drive.
Private plans and the Marketplace
San Antonio 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
New Braunfels · Schertz · Boerne · Alamo Heights · Stone Oak · Helotes · Converse · Seguin, all by phone or video in English or Spanish.
Compare San Antonio plans
Private plans priced first, the Marketplace alongside when it fits. Phone or video, English or Spanish, no fee.
San Antonio questions
What happens to my coverage if I leave a small San Antonio employer?
Texas has a state continuation rule for insured group plans: people not eligible for COBRA can usually keep the group plan up to nine months, or six more months after COBRA ends, at the group rate plus 2 percent. It does not reach self-funded plans.
Can I work with Frank in Spanish?
Yes. Frank is fully bilingual and works with San Antonio families remotely. Grandparents, parents and adult children can all join the same call, which helps when a household is deciding together on one family plan and wants everyone to understand the choices.
Where do San Antonio residents buy Marketplace plans?
Texans use HealthCare.gov for ACA Marketplace coverage. Frank is a licensed broker, not the Marketplace itself. He can line up Marketplace options next to private plans, which are approved based on medical questions, carry benefits that differ by plan, and sit outside the Marketplace.
More for Texas
- Health insurance in Texas
- Texas open enrollment 2027
- Texas open enrollment for the self-employed
- Texas open enrollment for families
- Texas health insurance quotes
- Self-employed health insurance in Texas
Other Texas cities
Houston · Dallas · Austin · Fort Worth · El Paso · McAllen · Laredo · Corpus Christi · Brownsville
Frank Caballero, licensed health insurance broker in Texas and 30 other states, NPN 21032307. Based in Tampa, serving San Antonio by phone or video. FC Insurance Solutions is independent and not affiliated with any government agency. Esta página en español.