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Medicare & health insurance
Medicare help in Texas from a licensed independent agent.
I’m licensed in Texas and help you compare Medicare Advantage, Medicare Supplement and Part D plans, plus Marketplace, life and long-term care coverage. My help is free.
Or call (904) 612-3757 to schedule.
5.0 from 63 Google reviewsAnkur Mehta is a licensed, independent insurance agent. Not affiliated with or endorsed by the U.S. government or the federal Medicare program.
Medicare in Texas
What’s different about Medicare in Texas.
For most people 65 and older, Medicare and Medicare Supplement rules work the same way in every state. What differs is the plans offered in your county, help paying Medicare costs and Medicare Supplement rules for people under 65. Here’s what Texas residents should know.
Medicare Supplement under 65Disability or ESRD
In Texas, if you’re under 65 and have Medicare because of a disability, you have a 6-month open enrollment period to buy Medicare Supplement Plan A after you enroll in Part B. If you have Medicare because of End-Stage Renal Disease (ESRD) or ALS, you can choose from more plans, and Texas limits how much companies can charge you for some of them.
Help paying Medicare costsMedicare Savings Programs and Medicaid
Texas Medicare Savings Programs can help pay your Part B premium and, for some people, other Medicare costs. You apply through Texas Health and Human Services.
Plans in your countyMedicare Advantage and Part D
Medicare Advantage and Part D plans are approved county by county, so what’s available in one part of Texas can differ from another. I compare the plans in your ZIP code against your doctors, prescriptions and pharmacy.
Free state counselingSHIP
HICAP (Health Information, Counseling and Advocacy Program) offers free, unbiased Medicare counseling. Call 1-800-252-9240 or visit hhs.texas.gov.
Under 65
Individual and family health insurance in Texas.
Full Texas Marketplace guide →
Where to enrollOfficial Marketplace
Texas residents use HealthCare.gov, the federal Marketplace. Income-based tax credits are only available through the Marketplace, and I can help you compare plans and enroll there.
2027 Open EnrollmentStarts November 1, 2026
Open Enrollment for 2027 coverage runs November 1, 2026 through January 15, 2027 on HealthCare.gov. Enroll by December 15 for coverage starting January 1.
MedicaidNot expanded
Texas has not expanded Medicaid under the ACA, so many adults under 65 with low incomes don’t qualify for Medicaid. If your income is between 100% and 400% of the federal poverty level, you may qualify for Marketplace tax credits instead.
Planning ahead
Long-term care in Texas.
Long-Term Care PartnershipTexas participates
Texas has a Long-Term Care Partnership program. A qualifying Partnership policy can protect some of your assets if you later need to apply for Medicaid to pay for long-term care.
Where I help
Serving clients throughout Texas.
I help clients in every part of Texas, including:
Houston
Phone and video appointments for Medicare, Marketplace, life and long-term care coverage in the Houston area.
Dallas
Phone and video appointments for Medicare, Marketplace, life and long-term care coverage in the Dallas area.
San Antonio
Phone and video appointments for Medicare, Marketplace, life and long-term care coverage in the San Antonio area.
Austin
Phone and video appointments for Medicare, Marketplace, life and long-term care coverage in the Austin area.
Questions
Common questions from Texas clients.
Do you charge for your help in Texas?
No. My help is free. I’m paid by the insurance company you choose, and your premium is the same whether you enroll with me or on your own.
Can you help me if I just moved to Texas?
Yes. Moving to a new state usually gives you a Special Enrollment Period to change your Medicare Advantage or Part D plan, and it’s a good time to review your Medicare Supplement too. Call me soon after your move so you don’t miss the window.
Do we have to meet in person?
No. Most clients meet with me by phone or video, so I can help you anywhere in Texas.
Is there a Medicare Supplement “birthday rule” in Texas?
No. Texas doesn’t have a birthday or anniversary rule for Medicare Supplement plans, so outside your open enrollment period or a guaranteed-issue situation, you may have to answer health questions to change plans.
Free consultation
Let’s make Medicare simple in Texas.
You don’t have to figure everything out on your own.
Whether you’re turning 65, reviewing your current plan, retiring or helping a family member, let’s talk through your situation and the options available to you.
Free consultation. No obligation. No pressure.