Health insurance plans that are offered through the Marketplace – the Marketplace is similar a large online retail shopping store but for health insurance. Texas does not have their own state-run store; Texans purchase plans through Healthcare.gov. All Marketplace plans are required to provide essential health benefits and follow guidelines as set by the Affordable Care Act (ACA).
With On-Exchange plans, you may be eligible to receive a government subsidy depending on your household size and income, meaning that your monthly health insurance costs could be lower.
Health insurance plans that are offered privately by each health insurance company. These plans also offer most if not all the essential health benefits as their on-exchange counterparts and are usually a mirror of their on-exchange plans. The names of the plans are often exactly the same as well.
The difference? You can’t buy these plans from Healthcare.gov. You also won't receive a government subsidy or discounts for these plans.
Effective January 1, 2023
- Bronze S
- Silver 1
- Silver 2
- Silver 3
- Silver 4
- Silver S
- Gold S
*All Houston area Aetna CVS Health plans are accepted at Kelsey-Seybold Clinic*