📍 Texas Residents

Private Health Insurance in Texas, Built Around Your Life

Texas is the fastest-growing state in America, and your health insurance should keep up. Oil & gas crews on the Permian, tech and startup founders in Austin, construction and small business owners across Dallas, Fort Worth, and Houston, real estate agents from Plano to San Antonio, ranchers, freelancers, and families just relocating from California, New York, or Illinois. The ACA marketplace wasn’t designed for the Texas economy. Build a private PPO health plan that fits how Texans actually earn, live, and move.

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📞 Call (954) 501-5554
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★★★★★  ·  LICENSED IN TEXAS (License #3403121)  ·  NPN 21702538  ·  PRIVATE PPO OFF-EXCHANGE

picture of the owner of the company, Find Coverage (Thyrza de Oliveira)

Meet Your Texas Insurance Specialist

Hey, I’m Thyrza, a licensed Texas health insurance agent and the founder of Find Coverage. A big part of my Texas client base is in Dallas–Fort Worth, but I work with Texans across the state every day: tech founders in Austin, oil & gas crews on the Permian, construction and small business owners across DFW and Houston, real estate agents from Plano to San Antonio, ranchers, freelancers, and families just landing in Texas from out of state

Send me your situation and I’ll come back to you within 24 hours with private PPO options that actually fit how you live and work. Plain English, no pressure, no lead-sharing.

Texas License #3403121 · NPN 21702538

See What You Qualify For

Why Private Health Insurance Works for Texans

Texas didn’t expand Medicaid, has no state income tax, and runs on more 1099 income than almost any other state. Three things that make the federal ACA marketplace a poor fit for a huge chunk of Texas residents.

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Variable Income? You’re Exposed.

Oil & gas crews, real estate commissions, owner-operator settlements, freelance projects — the marketplace requires you to estimate annual income up front and reconciles at tax time. Bad year, you lose coverage. Great year, you owe the subsidy back.

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No PPO on the Marketplace

In most Texas ZIP codes, the federal Marketplace doesn’t sell PPO plans anymore, only HMOs and limited EPOs with narrow, in-state-only networks.

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Coverage That Travels

If you cross state lines for work, and a lot of Texans do, between TX, OK, NM, LA, and beyond. Most marketplace HMO networks stop at the state line. Private PPOs don’t.

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Above the Subsidy Cliff?

If you’re above the subsidy cliff, you’re paying full unsubsidized marketplace premiums. In Texas, a comparable private PPO is frequently cheaper and gives you a wider network than what’s left on the on-exchange side.

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Year-Round Enrollment

Between contracts, retired before 65, or running your own shop? Private PPOs let you enroll year-round in Texas, no waiting until November.

Just Moved to Texas?

Moving to a new state is a qualifying life event (QLE). That means you don’t have to wait for open enrollment, you have a 60-day Special Enrollment Period to get private health coverage from the day you arrive.

Your old in-network providers are gone

Most marketplace HMO plans don’t transfer across state lines. The plan you had in San Francisco or Brooklyn likely won’t work in Houston or Austin.

The Texas marketplace network is narrower

Texas didn’t expand Medicaid, and the federal marketplace plans here have smaller provider networks than what you may be used to.

Private off-exchange PPO plans give you the broadest network in Texas

including the major systems: Texas Health Resources (Dallas–Fort Worth), Baylor Scott & White, Houston Methodist, MD Anderson, Memorial Hermann, JPS Health Network (Fort Worth), Cook Children’s, and UT Southwestern.

The fastest path: I can give you a personalized quote in 24 hours, and coverage often starts the next business day after enrollment. So you’re never uninsured during the move.

Who We Serve in Texas

Findcoverage.net is for the Texans the marketplace forgets — the ones whose lives don’t fit a tidy W-2 income box.

Oil & Gas Contractors
Owner-Operators & OTR
Self-Employed & 1099
Real Estate Agents
Small Business Owners
Ranchers & Agriculture
Early Retirees
High-Income Families
Travel Nurses
Tech & Startup Founders
Construction Pros
Families New to Texas

How “Building Your Coverage” Works

This isn’t a one-size-fits-all marketplace plan. You build it with a licensed Texas agent who knows the carriers, networks, and trade-offs.

1

We Look at Your Real Life

Where you live, where you travel, your income shape, your family, your doctors. No income guesswork.

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We Pick a Private PPO Core

Nationwide network. No narrow HMO restrictions. You keep your doctors.

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We Layer In What You Need

Health, Dental, vision, accident, critical illness, only what makes sense for you.

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No April Surprises

You stay out of the subsidy reconciliation game. No surprise tax bills next April.

Texas Health Insurance FAQ

For Texans above the ACA subsidy threshold, private PPO is almost always cheaper than full unsubsidized marketplace premiums — and the network is wider. For lower-income Texans who qualify for big subsidies, the on-exchange option is often cheaper on paper, but you’re locked into narrow HMO networks. Worth comparing both.

No. Private health insurance plans don’t follow the ACA open enrollment calendar. You can apply year-round in Texas — useful when you’re between projects, just lost employer coverage, or moved to the state.

Yes — that’s the biggest reason Texas owner-operators, oil & gas contractors, and travel professionals choose private PPO plans over marketplace HMOs. Nationwide network, in-network doctors in every state you visit.

Some private plans medically underwrite, others don’t. We’ll match you to a plan that fits your health profile. Underwriting isn’t always a dealbreaker — many Texans qualify for excellent rates.

Yes. Thyrza Mariano Amorim de Oliveira is a licensed Texas General Lines Agent. Texas License #3403121 · NPN 21702538. Active through 07/31/2027. Verify any agent (including me) at the National Insurance Producer Registry.

Texas Health Insurance FAQ

For Texans above the ACA subsidy threshold, private PPO is almost always cheaper than full unsubsidized marketplace premiums, and the network is wider. For lower-income Texans who qualify for big subsidies, the on-exchange option is often cheaper on paper, but you’re locked into narrow HMO networks. Worth comparing both.

No. Private health insurance plans don’t follow the ACA open enrollment calendar. You can apply year-round in Texas, useful when you’re between projects, just lost employer coverage, or moved to the state.

Yes, that’s the biggest reason Texas owner-operators, oil & gas contractors, and travel professionals choose private PPO plans over marketplace HMOs. Nationwide network, in-network doctors in every state you visit.

Some private plans medically underwrite, others don’t. We’ll match you to a plan that fits your health profile. Underwriting isn’t always a dealbreaker — many Texans qualify for excellent rates.

Yes. Thyrza Mariano Amorim de Oliveira is a licensed Texas General Lines Agent. Texas License #3403121 · NPN 21702538. Active through 07/31/2027. Verify any agent (including me) at the National Insurance Producer Registry.

Moving to Texas qualifies you for a Special Enrollment Period (SEP). You have 60 days from your move date to enroll in a Marketplace plan or a private off-exchange PPO. Private PPO plans can typically start coverage the next business day after enrollment, so you don’t have to wait 30+ days like marketplace plans.

Probably not. Most marketplace HMO plans are state-specific, your California Anthem or Kaiser plan won’t have an in-network provider directory in Texas. A private off-exchange PPO plan gives you nationwide coverage from day one, which is usually the cleanest fix for someone mid-relocation.

For tech founders, contractors, and remote employees, it depends on whether you have a W-2 or 1099. W-2 employees should compare their employer plan to ACA Marketplace if income qualifies. 1099 contractors, founders, and freelancers usually benefit from private off-exchange PPO plans + an HSA strategy. Schedule a quote and we’ll walk through the math.

Over the past 5-7 years, the major carriers in Texas (Blue Cross Blue Shield Texas, Ambetter, Oscar, Cigna) have pulled most of their PPO products from the federal marketplace. The marketplace in most Texas ZIP codes is now HMO-dominant, with very narrow networks and strict referral requirements. If you want a real PPO, broad nationwide network, no referrals to see specialists, coverage when you travel out of state, you have to buy it off-exchange. Private PPO plans aren’t subsidized, but for self-employed Texans with variable income (where subsidies are unreliable anyway) and for anyone who wants real network freedom, off-exchange PPOs are usually the cleanest answer.

Texas construction owners have three main options: (1) owner-only coverage if you don’t want to insure employees; (2) small group health plans for 2+ employees; (3) HRA arrangements that let employees pick their own plan. We’ll walk through which fits your crew size, payroll structure, and budget.

Yes — a significant portion of my Texas client base is in Dallas–Fort Worth. I’m familiar with the major DFW hospital systems (Texas Health Resources, Baylor Scott & White, Cook Children’s, JPS Health Network, UT Southwestern, Medical City), and I work with private PPO plans that include strong in-network coverage across the metroplex. Whether you’re in Fort Worth, Arlington, Plano, Frisco, or anywhere in between, the same options apply.