Licensed in Texas
Health, Life & Disability Insurance in Texas
Independent, fee-free help choosing health, life, and disability coverage across Texas. I work for you—not the insurance company.
Insurance in Texas
Texas has the highest uninsured rate in the country, driven partly by its enormous population of self-employed workers, ranchers, oil-and-gas contractors, and small businesses. For many Texans, individual coverage isn’t a fallback—it’s the only realistic option, which makes getting the plan right the first time critical.
Texas uses the federal HealthCare.gov Marketplace and has no state-run exchange. Short-term plans are widely available and heavily marketed here, but they skip essential benefits and pre-existing-condition protections—so I make sure you understand the tradeoff before you sign anything.
With Texas’s Medicaid gap leaving many lower-income adults without a clear option, getting your projected income right is what unlocks Marketplace subsidies—sometimes the difference between an affordable plan and none at all. We run those numbers with you, and for oilfield and ranch families with variable pay we build in room for the good months so your credit holds up.
- Population
- ~30.5 million residents
- Health marketplace
- Federal Marketplace (HealthCare.gov)
- Open Enrollment
- November 1 – January 15
- Short-term plans
- Widely available (not ACA-compliant)
- Licensed agent
- Liam is personally licensed in Texas.
- Major employers
- ExxonMobil, AT&T, H-E-B, Dell Technologies, Texas Health Resources
Straight talk
Short-term plans are widely available and aggressively marketed in Texas—I make sure you understand what they leave out before you ever consider one.
What we help Texas residents with
Marketplace & ACA health plans
Subsidy checks, network matching, and plan comparisons so you keep your doctors.
Life insurance
Term and permanent coverage sized to what your family would actually need.
Disability & income protection
The coverage most people forget until they can’t work—sorted before you need it.
Self-employed & small business
Coverage built for 1099 income, freelancers, and owners with no HR department.
Why work with a broker licensed in Texas
Insurance is regulated state by state, and an agent can only legally advise and enroll you if they hold a license in the state where you live. That rule protects you—it means the person recommending a plan actually knows Texas’s carriers, networks, and marketplace rules rather than guessing from out of state.
Liam is personally licensed in Texas, so working with Transparent Benefit Solutions in Texas is fully compliant—and because I’m independent, I compare plans across every carrier available to you instead of pushing one company’s products. My help is free; the carriers pay the commission, and your premium is identical either way.
Licensed in FL, GA, TX, TN, OH, NY, VA, WI, DC.
Texas insurance questions
No. As an independent broker I’m paid by the insurance carriers, not by you, so my help in Texas is free. Your premium is the same whether you enroll with me or on your own—you just get someone in your corner.
Texas uses the Federal Marketplace (HealthCare.gov) (HealthCare.gov). I help Texas residents enroll through it, confirm subsidy eligibility, and pick a plan whose network actually includes their providers.
Open Enrollment for Texas runs November 1 – January 15. Outside that window you can still enroll if you have a qualifying life event—losing job coverage, moving, marriage, or a new baby—and I can confirm whether you qualify for a Special Enrollment Period.
Absolutely—that’s a big part of who I work with in Texas. I’ll walk you through Marketplace subsidies based on your estimated net income, plus life and disability options that replace the employer benefits you don’t have.
You call me—not a 1-800 menu. As your broker in Texas I stay your point of contact after you enroll, so if a claim is denied, a bill looks wrong, or your plan changes at renewal, you have someone who already knows your situation and can help sort it out.
Let's find out what you're actually paying for.
A free 15-minute call, no obligation. Worst case, you learn your current plan is fine.