Individual Health Plans

The Affordable Care Act, also known as Obamacare, took effect January 1, 2014 and we are now all required to haveFree Quote Button 2health insurance by law.    The Texas health insurance marketplace is a very complicated place and that is why you should call Schack Insurance for help in evaluating whether you should shop on the federal marketplace exchange or through a private exchange.  817-261-1502 or

Rhett will help you determine if you are eligible for any federal subsidies or cost sharing based on your household income.   He’ll help you understand the difference between a PPO and an HMO and help you sort out co-pays from coinsurance.   Rhett works with all the major insurance companies so he can help you compare plans and provider networks.   It costs you nothing to have Rhett as your health insurance agent.   The plans cost the same, with or without an agent.  The insurance company pays a commission to Rhett for his being your agent for the duration of your policy.   Rhett will answer your questions and help you select the policy that best fits your needs and your pocket book.

Having a good agent can be a great help throughout the policy year as well with all kinds of issues that sometimes come up.   Rhett will help you review your policy and compare it to the new options that will be available each year during open enrollment.   You’ll be thankful to have an expert you personally know and trust to help you sort out the options each year.